Why do I get frequent UTIs? (2 questions)?

I get UTIs a lot, I used to get them more often than now, but by this point, it's annoying. I would make doctor's appointments, but by the time I could get checked out, the infection would be gone. The only way I know it's a UTI is because I researched the symptoms and my doctor called in a prescription for the UTI antibiotic before and that had helped. I've been urinating blood, frequently having to visit the rest room, and I only end up urinating a small about, but it's still bloody. I don't have a fever or feel neuseas (I can't ever spell that word correctly). My lower back doesn't hurt to be my kidneys, when it does, I just blame it on the fact that I broke my spine a couple years ago. My mom is a nurse and I called her and she said it sounds like a bladder infection making it's way into my kidneys. but not there yet. I looked up ways to prevent UTIs when I first starting getting them; urinating after sex, drinking lots of water, avoid orange juice or other acidic drinks, everything, and they calmed down, but today I was sent home from work because I couldn't even hide the pain. My insurance ran out, and I'm kind of desperate. Last time this happened, my doctor called in the antibiotic prescription without seeing me, but I had insurance. Does anybody know how much the antibiotic on average would cost from the pharmacy with no insurance? And also does anybody know what could possibly be the cause of me getting so many bladder infections/UTIs?

Please no rude comments, I'm in a lot of pain, and I just need answers.

Thank you so much to anyone with any information!

Other information:

Even when I'm not having this problem, I have a hard time holding my urine, I do those kegel exercises to tighten those muscles,but I'm not sure if that is even helping.