Repairing my bad credit

Well, pycleo looks like you're new here. One thing i've learned from this forum is that there are so many nice people who have helped me and others. So giving us some more information will be helpful to folks reading your post.
How bad is your credit score? have you consolidated your debt? how much debt do you have? paying bills on time every time is one good way to repair and build credit score. I have to do that with my current bills and credit card. I pay more than the minimum sometimes twice a month if i have the money.
Getting more out of your money...we're experiencing this problem now. We are faced with budgeting and it can be hard if you're not used to doing that. I think the most basic idea is What money/income do you have and are your bills paid. if there's some left over, do you need it or do you want it? It's not easy but doable. Let us know more information about your situation if you have the chance. good luck