As a newbie I'd suggest you shouldn't take out a monthy subscription - at least not yet.
I assume you've already discovered all the free games that are available from places like Playforce One, Pusooy, etc.. When it comes to premium games most sites will give you access for a one-off fee. The cost and amount of time it buys you varies. Often there's only one premium game available but the time allowed is usually enough to finish two or three.
As I remember it some sites (including Virtual Date Girl, some of the LoP ones, Pusooy and others) also allow you to download and keep some of their premium games that are not available without a subscription. So a single payment to one of those should provide you with plenty to keep you entertained for a while.
In most cases it's not worth making more than a one-off payment anyway because new games don't come along that often, so only auto-renew if you find a site you really like that seems to offer good value for your money.
Avoid games that use the Hungirly concept, where you have to pay for almost everything. They would quickly get very expensive.
At the risk of stating the obvious - Be careful about using your bank/credit card online unless you know it's a trusted site. If you're in doubt try Googling the site and/or payment system and read any customer reviews, especially negative comments about people losing money or having their card details cloned... or just ask here in the lagoon if anyone else has experience of them.
Welcome to the joys of adult games
