My advise,

Only spend your TP for riding skill (95tp currently), after you done with lone-land, your toon should be around lv32-35
then get a MoM pack from Offgamers (RM30-RM35 depend on currency).

With the MoM pack u will permanently unlock gold cap, warden and rune keeper, auction house, 5 bags, traits, 30 days of VIP access and 500 TP, create few more toons during VIP period, park there even you are not going to play them now.

Don't spend your TP on unnecessary thing, at least there is quest pack promotion in store. Quest pack you must unlock in end game are Mirkwood (lv60-65 map with Dol Guldur dungeons) and Eregion (School and Library). grab Misty mountain (Helegrod raid), Evendim (Annunimas dungeon) and Enedwaith (For TC daily) too if possible.

Leveling your toon at least to lv50 during VIP period (should be easy enough) then grab Mirkwood quest pack in store. Then you are consider able to access 2/3 of LOTRO end game content.

GLHF :-)

My IGN = Muladdin