You have to open an account in kraken or poloniex
With kraken you can fund with fiat currency, dollard, euros
If you have yet an account in poloniex or kraken you can buy bitcoin or crypto with changely and a credit card so when you have bitcoin you can buy stellar in poloniex or kraken
With kraken you can make a sepa bank transfer
Of course you can create a wallet directly but not for a beginner i think
