Wiggimuck, it looks like your skills are a bit off. Remember that class skills have max ranks of 4 at 1st level and cross-class skills have max ranks of 2 at 1st level. From what I can tell, you spent 2 on Swim, 6 on Listen and 2 cross-class ranks on Balance. You should have 12 skill points. Also, remember that the armor check penalty is doubled for Swim. My calculations show that you've spent 95 gp, 4 sp, and 1 cp on gear, so your remaining coin should be 4 gp, 5 sp, 9 cp.
I rewrote my skills to show ranks, AC penalty, etc. The 7 on listen is from the +2 for being an elf.