For option 1) simply log into userman and create the user in the context menus provided - should be straight forward?
2) Winbox>system>hotspot>user profile>add> now create a template (if you need to change anything from the default)
Then once you're happy with the settings in there goto:
Winbox>system>hotspot>users>add> now create the users within there - the 2nd tab sets the limits. But please make sure you select the hotspot you what that user to be active on.
Remember method 2 will only work if your RB is running both radius and userman on the same system.