If you are at a total lost for knowing HTML and CSS, you might try a free WYSIWYG editor called
NVU. Since you want free, then that means your hosting site is going to be free and with banners/ads on it put there by the host's server. You can get a very good free hosting service, but you have to pay to get your domain name through them. If you can live with banners/ads and want Web Tools provided free, the
Bravenet.com is a good place to start. You can always convert to a paid hosting later when you want. It has forums you can install, as well as, other neat tools to use.
Once you have learned HTML and CSS well enough, I would convert to using an editor like Matrix Y2K or Ace HTML 6 Pro. Fot multiple file uploads/downloads I recommend the free SmartFTP program. You'll find more free editors, menu builders at
CoffeeCup. All very good and easy to use.
Haven't touched on the free graphics programs you may need.
Ron