Drawing with a tablet can be tough at first. The "disconnect" with most tablets is the main issue/learning curve.
There are some exercises you can do to make things move much faster, though.
-Try tracing an image with your tablet. Just trace on a new layer in Photoshop (or whatever other program you decide to use). Something simple at first, then a bit more difficult.
-Practice writing your name. If you can write your name in a straight line, even better.
-Try to draw simple forms - boxes, spheres, cylinders, etc.
As for tablet monitors (where you can draw directly on the screen) there are a few options - you can go with a Wacom Cintiq (very expensive for any model) or you can go with the more economical solutions. Here are some links to the Amazon marketplace.
(10-inch screen, about $300)
(19-inch screen, $500)
These don't really compare to the Cintiq, but if you're on a budget then they are probably the best option.
Still, I would recommend something a bit cheaper for somebody just starting to use tablets. The Wacom Bamboo line is relatively inexpensive and offers great performance. If I had to recommend a tablet I would go with any Bamboo.
For more info on selecting the right tablet for you check out this link:
Best of luck!