Too conservative?

When I first started I was a calling station. Then,I began reading up on pot odds and trying to make smarter decisions on when to continue drawing. I still only have a basic understanding of pot odds. Sometimes I wonder if I've gone too tight though(esp. in live games). Two examples from a home cash game last night to the best of my memory:

I was short stack with about 1/3 the amount of chips(60bb) as my opponents in both of these hands.

Hand 1:

I've got J 10 on the button
Flop is Q 9 6 pot is 12bb
Player 1 bets 5bb
Player 2 calls
I call (pot 27bb)
Turn is 4
Player 1 bets 10bb
Player 2 folds
I figure I've got 8 outs/16% of making my hand but I've got to pay more than that to draw, so I fold. I peek at the next next card and of course it was a K

Hand 2:

I raise with AK
2 callers (pot 28bb)
Flop comes 884
I c-bet 1/pot 8bb
Both players call (pot 52bb)
Turn comes 10
I check, player one bets 1/2 pot(25bb) , player 2 calls (pot 102bb)
I figure 2 overcards, 12% chance of hitting the 'possible' best hand(only able to beat pair of 10s really) but being charged 20%. I fold.
River comes A
Pot is won by player 2 with A6

Am I being too conservative here? I especially feel like I'm more conservative live than online.

Have you learned about implied odds yet?? I would assume no. You need to read up about that next.

Yeah, i'm not that far along yet. With that first hand i was getting low on chips and i just thought..call this for yet another busted straight draw or save it for a made hand....

if I am reading this right your continuation bet in hand 2 is way way too small. One thing to remember about pot odds is that they work both ways, so keep in mind the odds that you are offering others with your bets as well, and what sorts of hands that allows them to continue with.

9xbb is probably a tad too hefty for a standard opening raise. (AK hand)