I just answered this same question for someone I'm helping in game to get started. They were at the point where they wanted to chip in some skills to be able to move up to atrox and similar mobs. He was interested in depositing $300 (actually $500, but I told him to save the rest for ammo
) just for skills over the next 2-3 months and wanted to know what I suggested. Here's what I told him, your mileage may vary and you can scale it down if you want to deposit less.
JDegre created a great chip optimizing tool. Use it to figure out best way to get to certain profession levels you desire. He has a skill scanner too so you can enter in your current skills as a start. The chip/ped amounts below are assuming you are starting at zero skills.
http://jdegre.net/pe/unlocker.php
Laser Pistol Hit – ~Level 16 (Allows you to max Korss 400 and other similar guns)
Ranged Laser – ~Level 16
Handgun – 350 ped (40 ped TT) (Hit)
Weapon Handling – 50 ped (6 ped TT) (Hit)
Laser Wep Tech – 400-500 ped (65-70 ped TT) (Hit & Dmg)
Anatomy – 400 ped (50 ped TT) (Dmg)
Evader – Level ~15
Evade – 500 ped (17-20 ped TT)
Athletics – 250 ped
Combat Reflexes – 150 ped
Courage – 100 ped
Paramedic – Level 15 to max Vivo T15
First Aid – 500 ped
Above will also get you up to about 100-105 health points.
Beyond that, just churn through ammo. Skills move up pretty quickly through the low-mid levels.
This is of course just one person's opinion
My suggestion for armor is Gremlin + 5A or 5B plates depending on if you want more protection or more eco. Gremlin is a great all-around armor and won't break the bank to get a full set. When you are ready to move up beyond that, look at Tiger (L), Martial (L) and some others in that range. Avoid the parts that cost more than 150% and you can still be pretty eco with (L) armors. If gremlin is too much, than Pixie + 5a or 5b plates is a cheaper way to start.
Also, as Immortal suggested, learn about the SIB (L) weapons. (L) weapons will allow you to be the most eco as you go up through the ranks. Keep moving up to the next laser handgun (L) that you can MAX (which is more than the "recommended level" in the weapon information. You can find the level to max most weapons in Entropedia.info. If you can't chip enough to max out the Korss 400, then work your way up the Breer P1a, P2a, P3a, etc. handguns. If you prefer rifle, than the Breer M1a, M2a, M3a, etc are a decent choice to look into (and ofc chip in Rifle instead of Handgun above).
Good luck, Mack
P.S. PM me if you want to meet in game and get me on FL. Glad to help out where I can...