Hi, Babs,
There are a number of good suggestions here for starting your own web site. You have to choose the ones you are most comfortable using, the features you want, and there's the price consideration. I'm not familiar with the MSN photo program. There are a large number of photo programs including Cute FTP in residence on this 80G computer, a networked computer with 7G, and an Iomega Zip. My favorite is Micrografx's Photo Publisher 8 - new version is "10." Very easy to use with dozens of features, special effects, etc. You can purchase the entire package for less than $50.00. It's complete with instructions and tutorials. Usually, everything comes off with practice, trial and error. Unless you want to hire a professional web designer or design services.
My very small store of computer knowledge came about over years and years of computing - starting with a vacuum tube Linotron set-up, Photon, and Alphatype machines - and all that jazz - among others, like an old double floppy Kaypro that we still own! And yet, we are learning every day. That's what so great about "this business": forever changing! We repeat, GO FOR IT! HAVE FUN ..., and come back and ask questions.
Good wishes, Charli