When I'm spending my skill points at level up, I try to think of the spells I have and which ones I would like to get more powerful. Also, consider which spheres have few spells, or go up well on their own. For example, my mage casts Enchanted Blade and Missile Shield after every rest, so those spheres of magic move up pretty well on their own. With my priest, she is always casting Armorplate, and that's her only earth spell, so there's no need to put points into Earth. She also has no fire spells (I didn't bother to pick light). I've read there's one at seventh level, but I don't want to spend the points just for one spell.
So, at level up, for my priest I put three points into Divinity. The remaining six points I divide between Water, Air, Mental and Divine. I'll often put three into Divine, and one into each other realm. Now, Divine is around sixty, so I can start putting two into each of the other three spheres and leaving Divine alone.
For the mage, I again put three points into Wizardry, until that reaches seventy five. Mages have their spells spread out, so there's a few useful ones in each sphere. I'll usually spend 2-3 points bumping up the lowest spheres (earth and water usually). I'll put one or two in fire, to improve my fireball. The rest I spread around to improve my favorite spells.
I hope this is some help. My main point is to consider what spells you have and use, how quickly a sphere improves through practice and spend your points accordingly.
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