I have five web sites with Hostway. They have been affordable and consistently responsive whenever there is a need for technical service
If you go to Hostway - Web Hosting, Dedicated Servers, Domain Names
-you will find that you can get a personal web site for $8.95 per month. You can check out their website and see what is included in a hosting package. The basic hosting plan has many more features than you are likely to use.
We use FrontPage 2000 to construct our web sites. It's a relatively easy program to learn how to use. We also had Dreamweaver on board our boat, but found that it was more complicated than FrontPage. But the truth is, it's more a matter of preference about which software
package to use.
Photoshop or some other type of picture editing program would be a help as well.
When we first started making web sites, we used free Site Kitchen software that is found at Hostway. You can use their free software, but it severely limits what you can do on your web site. FRUSTRATION! When we finally moved up to FrontPage 2000, our life immediately improved. The appearance of our sites was much better as well.
For most people, a blog site with photos will make a nice "web site", and it will either be free or very cheap
You don't need to be a rocket scientist to have a nice web site, but it does take a lot of time. If I was just getting started, I probably would start out with a blog/picture site, and then if I found out that I enjoyed it, then I would invest more time and money
in a personal web site.
Good luck on your web site,