@nprofile1q... First of all, commiserations. I know very well the situation. Being poor sucks in how everything becomes a fucking quest.
That said, if you feel like embracing the quest, try taking a peek inside!
If it's the scrolling that troubles you: Mouse wheels usually use optical sensors, which means they rarely break down really, but also are very susceptible to dirt. Even a single hair in the wrong place can cause an incorrect reading.
If it's the clickability: Douse the buttons in contact cleaner. Wait for it to evaporate before plugging it back on. If it still gives you grief, then you may want to replace them.
Fortunately mouse wheels usually use the readily available classic 4 leg push button which you can harvest from some unused clicky appliance you don't need, or bought for a few cents. (as opposed to proper mouse buttons, which use a more specialized and expensive part)
I appreciate you may not have a soldering iron, and it may be hard to justify even a cheap one for a one-off fix.