How do I wisely manage my wot account

KRZYBooP:  Aim for the free stuff that allows you to unlock tanks for free and focus on that. Tank University, Tank Medal, and Tank Rewards all offer rewards while playing in the form of personal reserves, equipment, and consumables to help keep you in the game. Most of them are also in the tier 4-7 range. Tank Rewards offers free tier 8 premium tanks for you so you don't have to purchase them. Remember while you don't have premium time, premium tanks do still give a bonus to credits and crew XP.  If I am top tier in a game I usually don't shoot premium ammo to conserve credit loss, unless I am brawling an enemy tank and the entire front of the tank is showing up yellow.  Tier 10 is endgame stuff and is not as profitable as tiers 7 and 8. Until you have decent savings don't run into tier 10 battles one after another. They are expensive by design to keep players filtering down to lower tiers so not everyone is battling at tier 10.  Don't forget that you can put crew members from the same nation and tank class into a premium tank for training and don't have to retrain them to drive the premium tank. This allows you to level up a crew and go back to their trained tank more badass than before without spending gold or credits.