You'll end up with a ton of skill points, that's normal.
You have a few options.
If you're a melee class, you'll want to put one point into each separate weapon type. So Two handed slash/blunt, etc.
If you're a caster, you can boost a Spell Specialization to make sure you lock in the right school.
You can also dump points in Research, that can be helpful. Although it's hard to keep even with your level as it gets expensive. But you can make and sell spells to other players.
Tradeskills will only let you skill up to 21 with points alone.
There are a few skills which will not level up until you put a point into them, like Sense Heading. That's probably the only real way you can gimp yourself.
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