When you are on a shard that allows you to bring up
your stats, drink a lot of beer until your stats are
1-1-1, or at least all under 3. Then fight something
such as a dummy or a headless and your stats will go up.
Keep doing this until you cannot buy anymore beer.
Creating a character:
A good safe character is easy to create. The following
character is good for money, fighting, and buying items.
Since you only can have so much skills and stats, try
Swords/Fencing/Macing (no archery)
Start at Minoc, which good for ores and Vesper is a good
place of trade, and for when you become GM Smith.
Start in Trammel. A pack horse is a good investment.
You should have a Fisher who can get you a lot of food,
which is important for skill gains. With all the money,
buy some more shovels/pick axes and start a mage.