As far as hosting here, I don't believe there is an option other than using a domain name. Who is your ISP? You may have a small amount of space to use for a personal web through them.
Personally, I would recommend paying the 10.95 for a 1 yr registration on a domain name, and then hosting it on TCH. That is a very small anount to pay, and if you're not happy with the name you choose, you can always purchase when you find the one you want, or one you want becomes available. You could then point both domain names to the new domain name, and the most it costs you is the 10.95 for the first domain.....