If you want to 'learn' how to create a site there are numerous books / websites etc...so many in fact that you will spend most looking and not doing anything.
A good place to start is
here at w3Schools.
you do not need any expensive programs to do this (although it does help.), you can get away with using wordpad / notepad / textmate (found in the 'ole start on your computer).
you can even use MS paint for your graphics (ok they won't be great but there you go)
next a web host....again so many to choose from offering a plethora of options. This will probably cause you the biggest headache.
or you could go into some high street book stores and buy Mr Site, Takeaway Website (in a box)
seen here.
Anyways, like BRL i can PM you some sites that i have created - nothing fancy, just simple and clear.
Good luck