craftgrrl | Jewelry making- newbie

Hi!

I am wondering if anyone might be able to help me out. I am very interested in making simple earrings and perhaps necklaces. I am not sure about what type of equipment I need. I am broke, so I don't know if this is something that I should even consider starting now or wait till I am better off. Just wanted some feedback and what you pros thought.

Also, when looking for charms/bread/etc for earrings and chains for necklaces where do you find such items? Would a chain craft store carry such items or would it be better to find a local bead-type shop? Also since I have no clue- is really simple chain for necklaces expensive?

Thanks for baring with my inexperience!