Welcome to the forums
In a sense, you can get points for free by using TrialPay, but I wouldn't recommend it as I've never got anything worthwhile from it. It has to do with completing numerous offers. I'd just spend real money if I were you
Now, second, creating your own entities (not 'props'

) is quite difficult. You have to texture them, UV Map the model, oh, and create the model in the first place. Then you have to export it to FPSC. Modelers make it look easy.
But there are a few free programs you could try to warm up to such as sketchup, BLENDER (which is very popular), and GIMP, a texture editing tool.
Cheers
PWP