The first step on the road to becoming a user of crypto-currency is to decide on a currency you want to use. There are several choices although the most popular ones currently are Bitcoin and Litecoin. After you have decided on which one you want to use, you'll have to download a wallet from their website. These wallets come in three different forms each with their own advantages and disadvantages.

Desktop Wallets: These are stored on your home PC and give you complete control over your wallet. The drawback to using a desktop wallet is that you are entirely responsible for securing and keeping backups of it.

Mobile Wallets: These allow you to make faster exchanges and have access to your coins as long as you have your phone with you. You can pay by simply scanning a QR code or using NFC (Near Field Communication).

Web Wallets: These are web pages that allow you to access your coins using any browser from any computer. The biggest downside is that you are leaving your coins in the hands of that website, and should it be shutdown or hacked your wallet could be completely lost.

After setting up a wallet you will be shown an address that allows you to buy, sell, exchange, and mine for the coin of your choice. This address is your personal address and no one else has it. Your transactions will be able to be seen by the public but they will not have any information on you specifically, only your address will be seen. You can change your address if you want and sometimes it is advised simply for security purposes. Unless you have money to start purchasing your currency it is time to begin mining for coins.