Haven't reached 149 but it's taken me about 800pp-1kpp to reach 108...but to reach 109 it took 100pp (selling everything back to the vendor). The jump from electrum to gold is brutal (54pp a stack to 210pp a stack). I've been working on a serious budget as well.
With 15k it should be easy to reach 149, especially if you have high wis or int. Here's the path I've been following:
Silver + Rose Quartz (Silver Rose Engagement Ring) to 34
Silver + Jade OR Silver + Topaz (Jaded Silver Ring or Topaz Silver Necklace) to 40 OR 44
Electrum + Malachite (Electrum Malachite Bracelet) to 74
Electrum + Cat's Eye Agate (Electrum Cat Eye Bracelet) to 84
Electrum + Jasper (Electrum Jasper Earring) to 92
Electrum + Wolf's Eye Agate (Electrum Wolf's Eye Bracelet) to 103
Electrum + Pearl (Electrum Pearl Choker) to 108
Gold + Malachite (Gold Malachite Bracelet) to 146 (<-- this one is what's killing me, I'm too poor for this tradeskill)
Gold + Cat's Eye Agate (Golden Cat Eye Bracelet) to 156
Gold + Jasper (Jasper Gold Earring) to 164
Gold + Wolf's Eye Agate (Wolf's Eye Gold Bracelet) to 175
Gold + Pearl (Golden Pearl Choker) to 180
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