Hey there, Stacey.
You should have a file manager of some sort pre-installed on the phone. However, if you don't have one just open the Play Store and search for such an app. This should help you copy your files from the phone's internal memory onto the SD card.
However, it's not that easy with apps. On android (in most cases at least) you cant transfer a whole app to the SD card. You should be able to transfer some of the apps' data though. Now, this depends a lot on the Android version and the phone model, but you should be able to find that option in settings -> apps -> downloaded apps. When you click on an app you should be able to find a "move to SD card" or "move data to memory card" or something similar. You'd have to do that...