The goal is to have fun..you can get some even with pc speakers.monitors are expensive and are mandatory if you wanna get "pro" results,but if you are starting,don't bother.you'll change them when you feel the need.
You first need to get sound in your headphones...plug them in card's phones plug and try to get sound with sonar.when done,you'll naturally get sound with speakers.
Is your headphone stereo minijack? If so,just use the adapter to get jack.they exist as stereo and are cheap so just get a stereo one.
Don't be too frustrated.all is about having fun