Click on your portrait. Next, click on one of your stats - strength, agility, endurance, etc. After you do that, click on the up arrow to add your bonus points when you gain a level. Add all you can, then exit. You can do this as many times as you want.
Here is a good one to get you started. When you are customizing a new character, pick the Elves with Invulnerability to Paralysis. Then choose the handicap Critical Weakness:Paralysis. The weakness will be cancelled by the immunity, but you will still get the bonus for choosing that weakness. Enjoy!
To get items from the stores for free, go to a shop, loiter till a little after midnight, save, then load that game. The shop keeper should be gone and everything on the shelves is free!
Here's a way to get quite a bit of cash. Do the 'loiter in a store' cheat. Make sure it is a general store. Find a shelf, take everything, and sell it back to the shopkeeper! Then , click on the same shelf. The horse and cart will always be there! Take them, click on the shelf, get about 20 of both. Then , sell them to the shopkeeper! This guarantees a great amount of cash (most in letters of credit).
You want to get rich fast? Go into any tavern with treasure in the attic, pick up the treasure, and save the game. Then, load the game and the treasure will re-appear! You can get all kinds of stuff, including things that are worth up to 8000 gold pieces! It helps to have a horse and cart...
When making spells in the spellmaker - Putting a $ before the spell name greatly reduces the spell casting cost after purchase.
Casting an area affect spell centered on you when you have spell absorption gives you back most of the spellpoints when cast
Go to the Odd Blades of Daggerfall (the town) and loiter for 3 hours, then loiter for 3 hours again, then loiter for 3 hours again. After doing this, save and load the game. If the shopkeeper is gone (if he isn't, you probably looked at the shelves earlier that day) look at the shelves and there should be AWESOME WEAPONS!!!!
If you feel that weapons and armor weigh too much here's a neat little trick. Go to any weapon store and click on the shelf you wish to view. Now open your wagon menu. The wagon menu will be to the left and the items menu will be to the right. Select the weapon or armor you want and it will go to your wagon. Select it again from your wagon and you will equip it. Pay for the item (or steal it if you feel confident). You'll have the weapon/armor equipped, but the weight will stay on the wagon. You can use this for other items too, but weapons and armor weigh you down the most.