When I was a true noob I rolled an enc and I fell into the same problem. I couldn't afford my level 16, 20, or 24 spells.
I had to just buy the ones I absolutely needed. All I can say is as you level up the rewards get better and then you can go back (or not) and buy those miscellaneous spells. For instance - I didn't buy a single illusion spell until 44? I think. Of course, who needs an illusion when you're already playing the master race: Gnome.
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