How can I change any of the settings when I don't have a programming card for it?
Beep
Beep, Beep
Beep, Beep
Beep Beep
Beep
Those are the tones I hear when it initializes
Beep -> this is correct
Beep, Beep -> this is the timing and correct
Beep, Beep -> this is the voltage cut-off I would have this set to single beep double beep is fine though
Beep Beep -> this is the aircraft select its set to helicopter with soft start which is correct
Beep -> This is the throttle response you have it set to the lowest setting. I would have this one set to 3 beeps
If you are using automotive connectors then that is really bad. I do not use those even on automotive

Soldering is easy if you get the right equipment, I would advise against the pen style soldering irons. They take to long to heat up and generally dont have enough power to get the job done correctly. Below is a perfect iron for what you are trying to do. It heats up instantly and has more then enough power to solder your wires.
Shop Weller Electric Lead-Free Soldering Kit at Lowes.com
A few tips on soldering. Use 60/40 tin/lead rosin core based solder. Do not buy lead free solder it flows like poop requires a lot more heat and you need to master normal solder before moving to lead free. The rosin core flux is like a lubricant it's what makes the solder flow nicely. If your solder clumps then you dont have enough heat.
Some of the mistakes I see when people solder. They stick the solder directly to the iron and then the iron to the metal they are trying to solder. Solder will always want to travel towards the heat source. You can "tin" the tip of your iron with solder but that should be it. When soldering the iron should be in direct contact with the material you are trying to solder. When you apply solder it should be applied on the opposite side of where the iron is placed. Such that that solder is pulled through the material in order to get to the heat source.
Yeah but when I don't have the money now to purchase anything else, what am I supposed to do? I'm not going to just let the bird set in the corner after spending all this money on all the high dollar electronics and stuff that I got for it. That would be a complete waste of money.
I can understand the frustration when on a limited budget. But if it's not done right you are going to run into bigger problems and it WILL be more expensive. Can you see if anyone near you could help you out? Check your hobby store if you're a regular customer sometimes they will help you out.