Alot of places will try to let newcomers believe that the only way to build a site is to use thier tools... hogwash!
What you need is an FTP program (search for them on google, alot of people like cuteFTP but there are others). Once you have that all you need is your server's domain, your username and your password.
It'll look something like this:
server27.hypermart.net
jmaranto
********
Plug that into your FTP program and any HTML file you create can be uploaded to your server... You want to the main one "index.html" which will be the page visitors see when they come to your URL. Very rarely you'll encounter a webhost that requires the "index.html" page to be created by thier tools exclusively... in that case I just skip it and use a "home.html" as my mainpage.
I use frontpage and it works very well for this type of work... frontpage has a uploading mechanism that I never liked so I stick with the FTP route, but either way don't get suckered into believing you have to use the web hosts tools...
Jason.