ok, so open yourself an account at uphold.com ( thank me later for it ) this is a gaetway between the FIAT world ( dollar euro yen etc. ) and Crypto, once you are verified you can add your bankaccount and transfer some money to it. Once your U$ arrived you can change it easy to Bitcoin or Ethereum for example. Once you got the Bitcoins send them over to an Exchanger and buy Steem :) I sounds complicated on the begining, but it is not :)