First of all welcome to CFC!
CheeseOnToast said:
I also struggle with civil disorder a lot. I have tried changing Govt types but when I do, it generally makes the situation worse - at least financially wise anyway.
Well, you have to keep in mind that governments have different unit upkeep costs. These unit upkeep costs are different for towns (cities under 6 pop), cities (cities 6 - 12 pop) and metropolises (cities over 12 pop). Most of the times, Republic is the best gov. I personally use Monarchy more, but I have a very unusual playing style, so don't listen to me.
As for civil disorder, this is very simple: citizens in your cities can be content, unhappy and happy. If the number of unhappy people is bigger than the number of happy people (content citizens don't count), your city falls in disorder. You shouldn't let this happen. When you see a city has fallen into disorder, you have 3 possibilities: use the Luxury slider in the Domestic Advisor screen, and up it until you have more happy than unhappy citizens. Another possibility is to convert of that city into an entertainer. The other possibility is to trade with another civ for a luxury. You should check your cities every turn and not let them fall into disorder. Look for some utilities in the C&C Utility Programs forum. Some of them have alerts that will let you know one turn before your city riots.
It's very hard to say why you don't do well with money. The kind of advice you are asking for is very general, maybe you could post a save game to get exact advice on what you need to do?
Do you build enough roads? Every roaded tile produces 1 extra commerce, and if a citizen works that tile you get that commerce.
Do you trade enough? You need to trade as much as possible. If you can make early contact with civs before they contact each other, you could probably sell techs around earning both techs and money.
Do you build too many defensive units? Units have a cost to maintain, and if you have over the allowed number of units, you will pay a lot for them. And don't keep too many defense units in your cities, defend only those that you find absolutely necessary to defend, except if you're playing a variant (like Five City Challenge). You do need units to guard your cities sometimes, as this gives happiness, but my advice is that rather than a building a musketman with defense 4, better build a Cavalry with offense 6, and just destroy all the enemy attackers before they get to your cities. Of course, this if you have all the resources necessary, when you lack resources gameplay changes.
Hope this helps.
Edit: Cross-cross-cross-cross-cross post. Meaning the last post I saw when I wrote this was CheeseOnToast's first post.
When I write such a long post it's very annoying that I will surely repeat some of the stuff said above the wasn't there when I began posting this. Sorry for any repeats, I didn't see any of the answers above.