Ninjas III PlayMesh Points are expensive so you should spend them wisely. You will get some free PlayMesh Points when you install Ninjas III, and you can expect some more free PlayMesh Points soon, but usually you are going to have to pay for them. You should avoid paying for Ninjas Live PlayMesh Points whenever possible and instead try to wait for free PlayMesh Points.
When spending your points, whether they were free PlayMesh Points or you paid for them, the first priority should be to spend them on Clan Members. Ninjas III Clan Members get more expensive consistently, and you have to have them to control Properties and fight other Ninjas III players, so the more you can get for free, the better.
After that, you can use your Ninjas III PlayMesh Points on money, especially early on when you are trying to get money without leveling up. Never waste your Ninjas III PlayMesh Points on things like changing your name, as these are expensive and do not help you in the game.