I agree with the above, the fish will produce more ammonia than the bacteria can consume at first, once the bacteria get going, they will handle the ammonia in the tank, and you shouldn't ever see detectable levels.
As far as water changes, it's better to do too many than not enough, when you get the test kits you can use them to determne how much water to change. Like I said earlier, when the ammonia approaches 0.5 ppm do a water change to reduce it, the same with nitrites. This should only take 4-6 weeks after the fish were originally added so you won't be doing the daily water change thing for long. After the bacteria is estabilished, water changes become a once a week or bi-weekly thing depending on bio-load a feeding habits. I do once a week minimum but I'm neurotic about my fish.
As far as the cloudy water, there are many possibilities, only a couple worth wrrying about.
Could be a bacterial bloom as said which will take care of itself in a few weeks.
It could be that you need more or finer filtration to polish your water. Let us know tank size type of filter and what media you are using and we'll help you out.
It could also be the dechlorinator you are using, I use stress caot when I dechlorinate, and if you use more than the minimum dose, it tend to cause some clouding and surface film. only use what it takes to dechlorinate, don't believe the hype about rebuilding slime caot and soothing your fish.
Let us know some of these things and we'll help you out, but get the test kits ASAP it will make things much easier for you. if budget is a problem, get ammonia right away, nitrite within a few days and nitrate later. if you are doing constant water changes, nitrates will be low by default, but you will want the kit as soon as you can as it is a good indicator of many things.