When you have a loose 15pp start carrying around one or a few of these:
http://wiki.project1999.com/Crystallized_Pumice
Keep them handy in an inventory slot, use them to scare other players and remove negative effects from yourself as well.
Any earned money should be spent on whatever gear you can get your hands on with +Magic Resist. Snares/roots = death whilst combating MoB's and Players.
Godspeed young one and use /ignore judiciously for the wormbrains in global chat. <3