Stubby, when I started I felt the same way. The lack of cash seemed quite punishing, then I found how much 12 fire crystals sell for in Windurst (1,300gil WH is my only point of reference atm dunno if it's the same elsewhere).
I spent 2 hours one morning just running around the Windurst Districts talking to NPC's and finsing the odd easy quest (the hat shop one is a doddle and grants a hat and upto 300gil if done properly).
tRoG's checklist is a surefire way of a relatively painless 10 level gain with enough cash to buy yourself a nice supply of armour and weapons (and spells too if you're a mage).
Remember Signet is your friend, don't leave the city without it
Your server is listed by the side of your character on the login screen and is also displayed when you log into the world (e.g Welcome to Bismarck)
A world pass would allow you to join everyone on Bismarck without going through the painstaking task of deleting and recreating your character until you get the right server (due to the random server thing Square uses)
You would however need a brand new character to use the world pass, you can't transfer an existing character, but Bismarck is a friendly enough place anyway and getting started again is a lot easier with help.
Windurst is a city, as is Bastok and San'Doria. The servers are named after the summons from the Final Fantasy series (well most anyway).
As Elvo said a world pass is easy enough to get hold of and would allow you to join us on Bismarck without going through the delete/restart fiasco