Easiest way to figure out what you like best/looks best. Take multiple shots of the same thing, regular, +1 stop, +2 stop, write down what you did and then when you get the slides back figure out what looks the best and what settings you used. Generally add a stop or two for snow people say, but I dont believe there should be any 'rules' for photography, so just try a whole bunch of different shit, dont worry about all the rules.
LOW BUDGET