First you need to start doing the surveys and videos for free credits. Then get rid of the starter clubs once you get enough credits. And most importantly, you need to not only play more, but bring your game avg. down. You won`t make T.P. with an 81.63 avg. . So you see the game is letting you do your own thing. I have never spent any of my money on this game since I started playing. Ive` purchased 3drivers, 2 sets of irons and 2 putters , all with free credits. The free credits do pay off, I currently have over 1700 credits just for new golf balls, as I dont need to upgrade my clubs any time soon. You can do it too, because many of us have already been where you are. Keep Your Head UP, and good luck.