My console's time is set to something really random, too- go into console management you may be able to change it there. Are you on NXE or the original interface?
Anyways, what are the details on the paying for online?
I have been spoiled by the free PSN.Do you have to pay monthly or annually?
I usually just get a one month card from radioshack (it's available at best buy and other places too) because I don't play on xbox live all the time. I don't really like the new interface for online play in Forza 3, but then again I haven't really given it a shot. I just dragged my crazy modded fiesta and that's about it. No circuit races yet.