I think just before the money is probably the hardest part of these. I'd say the key is learning to weigh stacks, remaining players, blind sizes, table speed, etc, at various stages of the tourney to know where your stack needs to be. If you are bubbling out just before the money, bravo! You are only a few tweaks away from being in the money! That means you are accomplished enough to perform consistently, which is a big deal since it's all about getting the best of statistics in the long run. Now you need to learn to loosen up slightly, often acting with some aggression, just prior to the remaining shorter stacks getting squirrelly and active. I prefer to be in the top 3 stacks, free to leverage bets against smaller stacks who are trying to stay level with the other stacks their size. Or to sit out a bit if I'm running cold. When I come in (with whatever,) I get respect.
For what it's worth, I have a small guide posted here..
http://www.texasholdemforums.com/beg...ker-guide.html (Zac's beginner's no limit tourney poker guide)