TracyMax: What is frustrating about the clubs is that they consistantly hit shorter than they should by 10-15 yards.
The distances of your clubs are not in the air distances. They include the roll at the end and that's based on no wind and flat ground. Wind obviously changes that but setting that aside, like sas says above, the elevation (up and down hill) will also affect this. Try taking one more club than you think you should and see what happens. A lot of times taking a longer club and swinging less than full will be your best shot.
Not being able to reach certain greens in regulation means you have to manage your game to combat this. Instead of trying something you know won't work try laying up and playing for par. Now, when you lay up, chose the distance away from the hole that you are comfortable with and play to that spot. Don't just whack away, plan the shot. This will give you good practice at the important part of the game-getting your approach shots close to the pin. It will help and your game will progress accordingly. Just learn the clubs you have, even if they're shorter than what you think they should be, and manage your game accordingly.
There are easy way to get enough credits to upgrade your driver, too. This makes it a little easier if you can get off the tee in decent fashion. GL