I just d/l this (great) game from HOTU,
Is it five-years-old already? (*checks box*) HOTU is getting lax.
but i have one small problem, no matter what i have a resource problem, and therefore a money situation (i loose about 1,000 every turn),
1. You mean "lose". "loose" is an adjective.
2. Cut down on researching and/or buying.
and only have enough timber eahc turn to build about 3/4 improvments.
You should have gotten some timber provinces in the early game rush. After all, they don't usually contain the diamonds that the AI rushes for.
(this is when i have 20 labour men people)
You have too many people; you should only get more people when there is a resource surplus.
I have roads etc all done up, but the biggest problem is i barley have enough resourcves to mine other resources
Avoid mining useless resources like spices and concentrate on your immediate needs. Your problem will soon disappear for a couple turns.
and when i do i need more to build more boats
Galleons are excellent early on.
and i need more to invade natives..... help!
No, you don't. Even with many natives, your casualties should be minimal if you build up a decent force. In any case, natives all but disappear towards midgame. They do make excellent trading partners in the endgame.