Ok, so I just got 100k NX

You'd have to spend considerably more than 10 minutes per day -_-

Not at all. I won 25k from MapleTip and have so far Character Transfered; given my off-Island Beginner NX hair and skin colour; bought a White Bunny with Meso/Item Bag, Binoculars and Winged Boots all from just spending about 5-10 minutes in MTS every day.

Buy cheaper, sell cheap.

Also I'm not judging you on how you spend your money - that's entirely up to you. However, I don't see much point in spending money on what you can pretty much get for free anyway.