First off, I try to find jewelry or belt with healing or better yet, regenerate, which is better than healing. Also try to get jewelry with the skills I like, Firewall for me is the best. Try to get these from the chest at Zix Zax, from the Archeologist and on top of Lovis's Tower after you get the password for the teleporter, all in Broken Valley. This frees up more skill points for other things. Right now, all my jewelry has heal and one firewall. I don't find Summon Ghost all that helpful. Also try to keep jewelry of some kind with "Master Herbalist". I may not wear it all the time, just put it on to make potions. (I know, anal, much?) This cuts down on ingredients. I only buy ingedients or potions as there is always much better armour and jewelry to be found/won. Once you get to the Battle Tower your runner will get all the stuff you need, just remember to go back often to send him out again. Get the highest level potion formulas you can early in the game and make those, buying only lower level ones. You won't need them much if you give/get points to regenerate and potion efficiency. Good luck, am playing for the third time and learning more as I go!