neosporin isn't useful for yeast/fungal infections. It also can be very irritating to the sensitive genital skin. I wouldn't use it on the genital area unless specifically told to do so by a provider.
Acidophilus supplements don't help skin fungal infections. they help put the 'good' bacteria in the bowels only.
This sounds like a yeast infection ( the red spots, the "seeping" etc ). You need to treat this. You can do so with otc creams. Be sure to use it as directed and don't stop using it as soon as it looks better. use it for a full 2 weeks minimum. Also when you get home from swimming - take a shower and get out of the wet clothes. Anytime you can go bottomless is good too - cool, dry air discourages yeast overgrowth.
grace
I've read that some males have had success with monistant (which is used for female yeast infections).
You can also put baby powder down there to try and keep it dry.
Could be fungal.
Since you don't have insurance, why not call your local health department and see about an std clinic near you?
AJ