As you want a monetized blog, your best bet is to hire a web host and get a free software download from wordpress.org. Here is where the differences are explained > http://support.wordpress.com/com-vs-org/
If you are not willing to pay $5 – $7 per month for web hosting then your alternative is to get a free blog from Blogger. As Google owns both Blogger and Adsense you can have Adsense advertising on a blogspot blog from Blogger.
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