At 41 I have 500k, you must suck at keeping money, where are you spending it? I had only a problem when I had to train at level 25, buy a speeder, and then get speeder training. I was down to 8,000 credits and in less than 20 levels I had made over what I had before. Just go kill some NPCs before you take a speeder ride if it bothers you that much. They are virtual credits they don't matter.