Well, A cheap way to do it is just killing gargoyles.. They drop a fair amount of blue charms.. Usually more than gold. Bork has 100% drop rate of 5 charms but you can only kill 1 per day. Kbd, Mithril dragon, Aquanite and few other drop it common. If you have enough hunting lvl to catch spirit impling, it also have fair rate of loot.
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you can get alot of charms by killing rock crabs, however i would not advise this at peak times as it can get overcrowded quickly.
Almost every Monster Drops Gold Charms but you can receive multiple charms from the level 111 Giant Rock Crab in the Chaos Tunnels.
The fastest way to get Gold Charms, is to kill Giant Crabs preferably in the Chaos Tunnels, since there is a room with about 5 of them there.Note: These Giant Crabs are over level 100, if they are 100+ You have got the right ones, the ones that are lower levels don't drop as much as those do.
kill 1000 lvl 5 goblines
The fastest way of getting level 70 Defense would be Soul Wars 50/50, if it's still going.