if(isset($_POST['submit'])) {
$userName = mysql_real_escape_string($_POST['username']);
$money = mysql_real_escape_string($_POST['money']);

$ekle = mysql_query("INSERT INTO chongzhi (id,userName,golden,chongzhichuli) VALUES ('',$userName',$money','0' ");

if($ekle) {
echo'Eklendi.';
}else{
echo'Hata';
}
}
<form id="actForm" name="actForm" method="post" action="">
<td><font color='blue'>User Name</td>
<input type="text" name="username" id="username" value="">
<td><font color='blue'><br />GOLDEN ADD</td>
<input type="text" name="money" id="money" value="">
<input type="submit" value="ADD" id="actform" name="submit" />
</form>