Easy and Consistent increase to Virtue Stat
Donating when you have at least 25 florins and 10 pfennings (6010 pfennings) to a "well-known church" in towns and a religion stat above 30-60-90 will increase your virtue stat by 1-2-3 (religion/30) per character. The donation is 10% of the money you have and increases the virtue as long as you have more than 6010 pfs and a religion stat of at least 30, so the most economical practice would be to donate when you have that much - although it is a bit slower than donating two or three times between visits to the market.
Faster and free recovery
Instead of camping or staying in the main towns, stay at a village instead. Choose the rest for 8-hours option in a village, instead of taking up residence there. The cost that is shown is never taken from you like it is in other cases. Choosing the 8-hour option also allows you to regain strength every 8 hours instead of 24 with the other options, allowing you to triple your recovery speed when your healing stat is low.
Quick and Free Endurance Recovery
While endurance is always fully recovered in normal ways like camping or resting at the inn, choosing the "catch up on local news and rumors" option at the inn will also recover endurance fully, is free, and doesn't pass as much time as the normal ways. This doesn't work when checking at the political center or to recover strength.