charm is for flirting, chakra is for your chakra rnrnmeter, (more points you add on the more bars you get), strength is for strength, hp (if you get strength high enough you rnrndouble your hp), and intelligence, if you max it out and then you can buy demon wind shurikans from kakashi.
2)Remember the character naruto likes chakra, sasuke likes intelligence, and lee likes strength, if you max them out (99 points) then you get to buy new items.
3) Gain money at the academy by teaching, the flower shop by working the cash register, and the town hall by doing missions, each cost hp.
4) If you lose all your hp but still have chakra, go to the hot springs and select invigorate (it takes one of your chakra bars and makes it into 20 hp) and if you run out of chakra and still have hp goto the hot springs but this time click relax ( it will take 20 hp and make it into a chakra bar).
5) A tip is max out your hp and chakra (do this at the training grounds), then you can raise more stats during the time period of one day.