cfreukes - Having been here only a few months you need to realize that things are not as random as you think. Some "random" deviation is built in, but it's a lot greater with the lower level clubs. A shot with the deviation happening to be right of the target coupled with a late swing right of the center is going to result in a shot that is wildly right.
Chipping is highly dependent on the lie and the distance from the green when you hit it. The quality of the wedges have a tremendous amount to do with it too.
I see you play a lot of one type of game here. If you are not playing practice rounds, play them and practice things like the chipping. Learn what happens from a 20% or 40% lie anywhere from the fringe to 5 or 6 feet from the green. Sometimes a chip is not the right choice.
Since expense is a real concern, gradually build up enough credits through the free videos and offers to upgrade to name brand clubs. A good wedge or two first would be a good idea. It makes a real difference in game play.