What Katherine means, Lovela, is you earn credits and buy stuff of value - like the new Alice outfit for example. Then you trade the outfit for an older retired outfit. We all had to start with no credits and not too much stuff, but we earned credits each day and finally amassed some possessions - if you keep at it, visit the NPC's each day and try to learn the games, you will make credits that you can spend. Remember new "great stuff" like princess costumes, comes out every month.
So don't give up!!