Ok, you need to do a bit more research here on this forum, also at the IND website here: http://www.ind.homeoffice.gov.uk/ and Pete's website here http://www.british-filipino.com/ . I guarantee you will find all the answers.
To answer some of your questions:
You don't need a solicitor. The application forms are easy to fill in.
"No Recourse to Public Funds" this means you are not entitled to any benefits in the UK.
Also, are you a Filipina or Filipino? You don't make it clear.
