i usually try to keep the 2 most important columns even, then the 3rd trailing a bit. like lets say for a defender ill prioritize defense first, then physical and mental, then finally attack. the ratios are pretty close together because most people dont want lopsided players (in case i do sell them)
there are tools around the net to know when players are going to evolve to the next level. im just using a basic spreadsheet because it works just fine for me (cant remember the name though, sorry cant help you there)

heres an example of a tool
http://forum.topeleven.com/tutorials...even-tool.html