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2 things to aknowledge if you don't wish to uselessly spend money - and it does not depend on how much money you can make or have :
The first is knowing what you can and what you can't do. If you can't do it, have someone who knows do it.
The second is knowing how much things cost. If you can't pay for it, then don't do it, or don't have it done, and wait until you can.
Which leads to the usual conclusions : car are not cheap, modified car are way more expensive, and if you have no money nor skills ... don't get one, as it WILL be a money sink. Even the least expensive reliable build done by skilled people cost a lot of money in parts and labor (some things like bore / hone / deck are usually done in a shop, even for a skilled wrencher).
What you can do, as long as you have tooling: bolt on chassis mods.
Forget bolton engine mods, unless you already know how exactly an engine work. You will need someone to tune the engine afterward.
Anything that requires custom fab, expensive tooling, like engine swaps or proper rebuild, you need to pay someone to do it.
Personnal advice: do not mod the car. Put some good rubber on it if you want to grip (or crappy ones if you fancy drifting), a bucket seat and just drive. Best bang for the buck. If you start making suspension mods, you will mostly make the handling worse, unless you are prepared to put some serious money in it.
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