To make bouquets - you need to have two things, flowers and gold.
You need 1 flower and 100 gold to make a 1 flower bouquet.
You need 10 flowers and 1,000 gold to make a 10 flower bouquet.
You need 25 flowers and 2,500 gold to make a 25 flower bouquet.
If you don't have the money - you can't make the bouquet. And you make them in the flower shop. Check here for more info on towns items that you collect:
Guide to Towns Items******
If you're having trouble getting into towns - check to make sure you have cleared your cache, and that you are running the latest versions of Shockwave and Flash. Both Shockwave & Flash are available at Adobe's website:
LINK******
Housing is very difficult right now - and I believe it will remain so until new areas are opened up by the dev staff. To get the other items - you need to make some gold. There isn't a 'good' way to get quick gold. But everything you do on Gaia can earn you a bit of money. I suggest letting yourself get into the game, enjoy playing the mini games and talking in the forums and don't worry about gold. Before long, you'll be suprised at how much you have.