Firstly, what side do you want? What players? Do you have enough?
Secondly, are you saving for anything in particular? Friends of mine have played UT since its birth, and have hardly played actual matches; they just play the market and become mega-rich.
Personally, I've just built various squads, selling each one to fund the next. I THINK I'm about settled on my team; as long as I have players I like that can play the way I want to, then I'm happy.