I think kids these days are born with this knowledge, LOL. We have to struggle. You should be able to see FRING on your iPod touch once you've installed it (perhaps on the next screen over?). I couldn't download VoipStunt since I have a Mac, but I did sign up for it. I was asked for a credit card as well to buy minutes, but I disregarded it and haven't had to provide my credit card info at all in order to use it. All I did was go to FRING and select 'SIP' and then 'VoipStunt' as the program. Then I entered in the username and password I created for Voipstunt and I've been able to make calls. I have read places where VoipStunt might cut you off after 60 minutes after which you'll have to start paying, but supposedly it's cheap. I haven't had that happen so far. I did have a call disconnect after 20 minutes today, but was able to call back, no problem. The lag time is not bad at all--probably less than 4 seconds, and the other party heard me clearly. YouTube has a lot of instructional videos on this process.
I ordered headphones with the buit-in microphone at McAlly for $19 and they came within 3 buisiness days. They work great and come with a few extras. Here:
http://touchmic.com/products-page/ipod-touch-microphones/macally-tunepal-headset-wmicrophone/I also got a phone number by signing up at IPKall. It took 2 business days. You just enter in your VoipStunt username and password as well as the proxy server, which is sip.voipstunt.com, or something like that.