I love 3D stuff. Create your own little avatar, make her look the way you want her to. Then choose a 3D location and meet other people who are doing the same thing you are, just chatting.

IMVU is just that, 3D chat, and it's free. Design your avatar. Change the eyes, hair, skin, face, and clothes. Give her a name. Then select a theme for your furniture and clothes.

After you've created your avatar you're ready to chat with new friends. Add some friends and start chatting.