Welcome to the game. nf-guides.com should answer your basic questions about choosing a nation and earning (the right to buy) new ships. In addition to that, allow me to share a few tips that I found helpful when I started:
Don't spend your credits on anything you don't really need at lower levels. Things you will need credits for includes buying new ships when you level up to them, buying guns and ammo, and repairing your ships. You can sell ships and guns back, but you don't get a full refund.
Reloading ammo and repairing your ship after battle happens automatically by default, but it still costs credits, though at lower levels repairs and ammo are cheap. The only expensive ammo is for the 7.2" Mark 10 Projector LL (AKA hedgehogs or HH). You'll learn quickly that HH are popular, hated, less effective than actual guns, and very expensive to use for new players.
Don't spend your points needlessly either. Classing up sailors becomes very expensive at about level 20+, and you don't really earn lots of points until higher levels. If you can't afford to class a sailor up on time and he levels up as a lower class, he will lose out on stats upgrades permanently.
A bigger reason for conserving your points and credits is because you can't trade with other players unless you at least 150k of each (or, 50k of each when your bridge operator hits level 30). Many established players are willing to donate points to help new players, but you need to manage your resources carefully or you won't even be allowed to trade with them to accept their charity.
Don't invest too many points or credits into your first crew, because there's a good chance you'll learn much more as you play, and you'll decide you want to be a different nation or you need a different crew setup or whatever. It took me a couple crew restarts before I really built a solid foundation for a high level crew.
*Edit to add* You'll do yourself a huge favour if you learn to use manual firing controls sooner rather than later. To use manual firing, you have to sell the "auto" FCS from a ship and buy an "aiming" one.
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