"wow. I currently have 500 ms points on my account, and now i have to go spend $20 to get 60 more. fuck"
I remember reading this way to get a small amount of points at a time. Download the Zune Marketplace and link your hotmaill account that is connected to your live to it. You can add points from there that will also go to your profile and you can buy smal portions from there. I havnt tried but I read about it.