When should I stop turning credits into lessons?

I really wish for Transcendant Resilience (Well, maybe this one's really necessary. I -am- a Faeling.), Arts, Influence, Combat, Bookbinding, Dramatics and Highmagic but--

Is there any artifact that would better help me than the non bolded skills? Faeling Celestine, Trascendant Celestialism, Sacraments, Healing, Planar. Circle 70.

Stop turning credits into lessons when you no longer have enough credits to buy and sell to keep a nice steady influx of gold.

by that logic you should not be converting lessons right now since the price is low, you should only buy buy buy. I say pah! I convert'em all until you have the skills you want

Resilience is good, combat is really only useful if you fight... Never seen/heard of you, but if you don't PK combat is useless. You could look into the vitality rune or the absorption rune. Both would help the damage thing. *Shrug* Reslience gives you poison shrugging though. I'd go with that

Thats right, you should, but you shouldn't buy so much that you can't afford anything. But converting all your credits down to zero is just a waste of credits.

Im not sure if High magic is so needed to be transed for you. Maybe focus on Discipline or Discernment instead of HighMagic.
And only arti that comes to my mind is Absorbtion rune and Cloaking Gem.

Abortion rune

There sis nothing to see here!
Move along!

I've always been a proponent of skills before artifacts, but there are some skills that you could do without depending on your focus in the game. As Nerra pointed out, skills like Combat are not useful to someone who doesn't get involved much in PvP conflict. Likewise, skills like Influence and Dramatics won't be a priority if you're a fighter.

A good trade skill is definitely good for building up other skills, too. My first trans skill was Herbs, and I haven't regretted it since. I've basically been able to trans the rest of my skills on herb sales alone and use the credits I acquire through other means for artifacts and such.