HondaLuv3r4Life

Hey everyone. My civic's clutch seems to be acting weird after ive been driving for a while. Especially in heavy stop and go traffic the clutch feels like it starts chattering and shuddering. I dont ever drive it hard or do burnouts etc, its just my commuter car. I can't afford to get the clutch replaced. With normal driving and that I never ride the clutch what could cause this? Could it be hotspots on the clutch? Any suggestions what i could try? Could dirty fluid have that effect on it? Please help!