I was 15 and had a bank account in my own name, (16 yesterday lol). Why would your parents not let you have your own bank account, that is stupidity. If you have your own bank you can earn your own interest with your money rather than it sitting in your room not doing anything.
Or you could be a total noob and do forum posting. Go over to wiredflame.com they pay awesome rates, get some money pay a designer (I recomend Josh.UK or Aftermath, then get me to code it!). But forum posting is a good way to go