Ladychipper -
You've played enough rounds to have a basic idea of how the game operates. So it mightbe a good time to read a little about how to get better.
Go to the "Game Tips" section of this forum and look at the following:
StoneCold on putting - http://www.wgt.com/forums/t/136065.aspx
Iconian on Chipping & Pitching - http://www.wgt.com/forums/t/7840.aspx
nivlac on one method of controlling putter distances - http://www.wgt.com/forums/t/559.aspx
You might want to review the FAQ section about "levels and tiers"
You will also want to start to gain credits by taking surveys & watching commercials (you can get there by clicking "GET CREDITS" then "Free Credits"
You'll need these to upgrade your equipment as you gain more experience.
Finally, practice and laugh when you mess up : )