Okay, random.org gave me 30 points. I'll start with body mods. A-cup, full Pussy conversion with Fertility, a Feminine face, Small and firm butt, Skinny body, Little girl voice, and I'll sacrifice a full 12 inches of my 5'6" height to make me 4 feet and 6 inches tall. Ears and Nipples pierced, and Hair removal treatment. I will be the little girl, and it will bring me to 62 points.
I'll take two owners. The Married Couple will play fantastically with my new look, and the Engineer Dominatrix will ensure lots of smut for the viewers. 97 points.
For punishments, definitely starting out with Tentacles, Breeder, and Parasite suit for the /d/ crowd, which must be a lot of the audience for the rewards these give. I considered taking Cursed, but troubled sleep over an extended period might be dangerous. For some kinky flavor, I'll Sleep in bondage, Caged, in a VacBed. Add Diapers, Enema, and Spanking for more little girl theming. Light Mind alteration should make my training a little easier. That plus my job as an Escort/Pornstar brings me to 220 credits, and earns me a nice bit of dosh on the side.
Now for the expenditures. Big ones first, my loli theme pretty much requires a Girly house and my job will be enhanced by a Computer with Webcam as well as a Box of toys. For eating, I'll go frugal with Fresh food. The trip to the store will get me out of the house and keep me from going stir crazy, and maybe I can negotiate some brand deals on the side. Your TV sweetheart always buys JIF peanut butter!
I'm going to need the Body care kit and Make-up kit to keep ratings up, and a Luxury bath to keep the stuff in. I'll splurge on a Maid too, I have a feeling I'm going to be kept busy.
Also to keep ratings up I'll start with the Basic closet and add Fancy dresses for maximum cuteness. My parasite suit precludes the need for fetish wear or lingerie, so I can skip those.Cosplay, however, can keep things fresh and ratings up. Shoes, Hats, and Accessories will cap it off with enough credits to spend on the time bonus and halve my risk. I'm ready.