How to pay for Windows store games

First,I have asked this question so many times,it's ridiculous.I appreciate all your help,but thus far nothing has worked.I am at my wit's end.I already have a Microsoft account I'm on it right now,I'm told I can't do just about anything without a family account.I don't want or need a family account.please help.Also the only money I have is on my att account which is how I pay,how can I use it on games from the Microsoft , or Windows store.thanks again �� I hope ���� people unlock.