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you can get a membership or you can buy crowns and use them to buy the worlds. i recommend crowns, because even if you run out of membership you still have the worlds.
It would take 58,470 crowns to buy all the areas of Wizard101. I added a link to the cost break down.
You can buy minions from Card packs in the Crowns Shop or you might come across some in the Bazaar.
There are a small number of ways. You start with 75 crowns when you sign up for Wizard101 for free, but 75 doesn't exactly get you very far, so you can ignore that. The only way you can get your hands on a spendable amount of Crowns is by inviting a friend or family member to play the game using an code. If they accepted the code and buy a membership or 5000 crowns or more, you will get about 1750 crowns I think.
You go to the Pet shops in the Wizard City and buy them for a little under 15000 crowns. :P