Let's take a look at the forms of the verb, "tener" which means "to have".

yo tengo            nosotros tenemos
I have              we have
tú tienes           ellos/ellas tienen
you have            they have 
él/ella tiene
he/she has

We have used "have" to express possession. In our sentences we have used nouns to complete the sentence. We could also use a pronoun to substitute for the noun.

I have the money.
I have it.

There are two words that we use for "it" as a direct object in Spanish. It depends on whether the noun we are replacing is in the "O" category or the "A" category. In addition, we need to notice that we put the word "it" as a direct object in front of the verb in Spanish.

I have the money (el dinero).
Yo tengo el dinero. / Yo lo tengo.

I have the book bag (la mochila).
Yo tengo la mochila. / Yo la tengo.

If the direct object is plural, we would say "them" in English. In Spanish, again, we would have two forms, depending on the category of the noun that we are replacing.

I am studying the chapters (los capítulos).
Yo estudio los capítulos. / Yo los estudio.

I am studying the pages (las páginas).
Yo estudio las páginas. / Yo las estudio.

One other thing to notice is that when the sentence is negative, the word "no" will come first before the direct object pronoun.

I don't have it (the money).
Yo no lo tengo.

Now, let's practice some sentences.

We know that we can use "have" for possession, but also for "obligation". We can say that someone "has" something, but also we can say that someone "has to do" something. In this case we have to insert the word "que" and follow it with the "R" form of the verb that tells us what someone has to do.

If we use a pronoun direct object, we will have to put it in front of the entire verb phrase. In Spanish you can never split a verb phrase.