Good advice abbove. Something else to do is check out used boards at consignment shops and places that sell used gear. Also check out the classifieds. If all you're looking for is a beginner/intermediate package, you may be able to get a good setup for half the price of new gear. Just make sure the bindings are the correct size for the boots you'll be getting. If you can, get a buddy that's been boarding for a few years to go with you to check out gear - just make sure he knows that you're not on the marked for a top-of-the-line setup.
You may not want to skimp on boots though. You'll be wearing them all day long and don't want something that's uncomfortable. Uncomfortable boots are for alpine skiing...
Nothing in the world is more yielding and gentle than water. Yet it has no equal for conquering the resistant and tough. The flexible can overcome the unbending; the soft can overcome the hard. - Lao Tse