its Nibblingbussom again, im now at cloth 34.1, and made money getting there, just started getting guild points i hope i can get 48 for the glasses sometime soon xD
You can't even begin to accumulate points until level 28 clothcraft. Its quite an easy craft to get started on as many monsters drop synth and desynth materials (Yag necklaces are a great start for Windurstans). You shouldn't need to spend much money until much later in your craft.
Once you take the third test and pass (I think... that's skill 28, might be the fourth test at skill 38), a NPC in the guild will ask you to trade in some item for points, which you trade in for this baby.
You will need 48 skill in cloth before the quest NPC offers this as a reward. You can however, start accumulating points starting at skill 28. For complete Guide Contract Quest details, see this post: