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There are a few easy steps in making a character.  It's normally a good idea to have in mind what type of character you would like to play.  Ideas from books, TV shows, movies and other sources are usually helpful.  As you think about that individual ask yourself, "What attributes make that character appealing to me?  What types of skills make that character who they are?  How can I get those skills by spending the least amount of skill points?"  Beginning with the character set up the way you pictured will assist you in playing that character throughout the game.  Keep in mind that Twilight 2000 keeps characters balanced by giving more skill points for characters with less attributes.  Characters with higher attributes receive less skill points.