How I get to my apple cloud account

What is your question exactly?

Do you want to access your iCloud account? OR do you want to save money to it?

You cannot save money on iCloud. You can add funds to your Apple ID to make purchases in the iTunes, Books and App Stores however, which include recurring subscriptions like iCloud+.

You can log in to https://icloud.com with your Apple ID email and password, to access your iCloud account.

Do you want to perhaps subscribe to more iCloud storage? if so, click here ➜ Upgrade to iCloud+ - Apple Support

Otherwise, explain exactly what you are trying to accomplish in as much detail as possible.

Here is how to downgrade the amount of storage associated with your Apple ID, if you have subscribed to (rented) iCloud+ storage service:

Downgrade or cancel your iCloud+ plan - Apple Support