Starting out with a tablet you say? Get a Wacom Bamboo, they come cheap and get the job done. They've recently refreshed the product line with some new names and such, but the Bamboo Pen I got last year was the best hundred dollars I've spent so in a long while. (And the tablet area is really not that bad, it's small but definitely adequate enough for drawing)
Have you tried drawing with a mouse though? Don't underestimate the mouse, I started off with my mouse and I can safely say that while a tablet is something that is nice to have, it is not a necessity for you to generate results, all it does is just make life slightly easier once you're used to it. You don't have to master it, but it definitely helps if you can adapt to either. You will be surprised at how much control you can get with a well-calibrated mouse with a decent-dpi, nearly all gaming mice meet the mark.
As far as drawing programs are concerned, if you're using a tablet, you'll definitely want to take a look at Paint Tool SAI and Photoshop. Both are paid programs. Otherwise if you're looking for free, then you'll have to settle with GIMP or some other alternative. Of course, if you're thinking of going into vector art then that's a different ball game, for that you'll be looking at Illustrator as a paid option and Inkscape as a free one. Take the time to experiment and choose your starting path