[Kaini]

You have your points a little spread out.. You should decide what kind of cleric you want to be and concentrate on those. A healer keeps thier points in SPR , while a clank puts them in END and STR. Clerics don't have much use for DEX until the higher levels (if you're going Guardian for example)

I'm sure someone smarter will come around and explain it better in a bit ^^; As for your money, you only need as much as you want to have xD 500 sounds good to me, but someone else might want 5 gold, you know?