What do you spend? Clearly not Karma since you don't have any yet.

Build Points

BP summary table pg. 348 core rule book is about the only place i found it. It's pretty handy though! Hope that helps.

Resources
Gear 1 per 5,000¥ (max 50 BP)
Spells 3 per spell (max 2 x Spellcasting/
Ritual Spellcasting)
Spirits 1 BP per service owed
(max = Charisma)
Bonding Foci 1 per Force Point (max 5 x Magic)
Complex Forms 1 per rating point
(max forms = Logic x 2)
Sprites 1 BP per task owed
(max = Charisma)
Contacts Connection rating + Loyalty rating
BUILD POINT COST SUMMARY TABLE
© 2005

Using the same table?

Using the Table that ICPik provided, yes...