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Tip #2: You start the game in debt to the Bank, with a steep 40% interest rate so you will lose money every day that goes by (jumping or landing uses up 1 day) You want to immediately start doing Missions to earn some cash. Watch the Job Board for multiple missions that end in the same system so you get paid twice for one trip.
Tip #3: Once you have some money coming in, pay extra on your loan. A 40% interest rate is very high, so you want to work to pay that off as soon as possible by visiting the Bank. The interest rate the Bank will give you gets better over time as you make payments, so you can save money by "refinancing", or taking out a new lower-rate loan to pay off the first.
Tip #4: Once your loan is paid off, then use your money (and maybe even more loans!) to buy bigger freighters so you can transport more cargo. Once you get a hundred tons or so of cargo space you can switch from focusing on Missions to Trading, tho you should still watch for Missions on your trade route for extra cash. Use your Map to look for short routes where you can go back and forth buying low and selling high each way. You can sell off shields and weapons on the freighters for more space, but the bigger your fleet gets the more likely it will be attacked by pirates.
Tip #5: You can "cheat death" as much as you want. After you die, you can hit Esc to goto main, then click "Load/Save", then click "Enter Ship" to restart from the last time you left a planet.
Tip #6: When you buy or capture a ship, it joins your fleet. You can choose which ship is your flagship (the one you fly) when on a planet by pressing "I" to view Player Info then select your flagship by dragging it to the top of the list. (This can also be done from in Shipyard menu with the icons)
Tip #7: You can Park ships on planets for safe keeping during risky missions. When on a planet, press "I" to view Player Info, then goto the "Ship Info" tab. You can cycle through your fleet with Next/Previous buttons. Click "Park" to Park your ship on this planet. Cargo is kept on the ship, so you can use parked StarBarges as cheap on-planet storage.
So, what I do is take a bunch of jobs that are in the same system/area, and then use normal trading to cover crew and mortage costs.
To modifythe save file you must press windows key and the R key. type in appdata. Open the endless sky file and find the saves. The text file at the top is your current auto save file. You can open it scroll to where it says credits and give your self as many as you need.
Passenger missions usually pay better than cargo missions so get as much bunkers as you can.
And for max efficiency get a better ship with loan right after you paid off the previous debts.
Or you can mod the game to get a better starting ship with a larger starting debt.