NaturalHazards: typically lose all the games because of my horrible putting.
Looking at your profile, I can see that you are very new.
Sounds like you are playing multi most of the time. The sandbaggers here will tell you to play plenty in practice mode. I'd say play in some tourneys, especially the unlimited variety. Take notes.
Research the forums for tips. Gold's putting thread is definitely worth a read. Wind, Elevation, and Spin are good search targets.
At some point you'll make the decision whether or not to spend some money on this venture. Improvement can be had via better equipment. Sad to say, but that is how the place stays in business. Your money or your time spent with the sponsored 'free' credits option.
When I first came here, I vowed never to spend a dime. Yeah. Right. Many bucks later here I am.. Still frustrated.. Still learning.
Good luck.