Get a pen and paper and write down the sp for the skills you need at the master. Reason is, when you get close to 90%, you can figure out how much more sp you need for a skill. Say 3 skills you need 1105 sp. Then you try to get the sp. You will note how much sp you get for every %. That way you can tell what % of xp you need for a skill.
Now if you get the sp for the 3 skills before you hit 90% experience, then get skills and then kill yourself, till you are back to 0%. Remember, you want to get EXACT sp you need to get your skill, so that way you will lose nothing. Now you could get sp for one skill, get your skill and kill yourself also. But probably easier to get close to 90% experience and try to get more then 1 skill. But this is the basics on what you need to do to MAXIMIZE sp farming.
Join a guild and get your sp locked as soon as possible. You want to have it locked so you can gain xp slowly now and get the sp along the way. So when you get to say level 8 or so and you can start killing the level 10 mobs in the
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