Hi Youthsmooth, welcome to WinCustomize! I have read all the posts above and would like to say that you have a definite advantage. You are young. I didn't get my first computer until I was 42 years old, and that was only about three years ago. I quickly got into making my desktop look cool, and wanted to make my own stuff too. My relatives very kindly gave me cash for my 43rd birthday and I bought Photoshop. In this fairly short time I have taught myself lots of things, and I love what I do. I may not be one of the most downloaded artists around, but I get a kick out of every single download that I get. You have a great opportunity to become one of the better artists of the future because time is on your side, and if you continue your interest and your study, you could be the next Treetog in a few short years.
My advice is: look at every tutorial you can get your hands on, and look at everybody elses work and see if you can reproduce it with what you have.
If you type "PSP tutorials" into any search engine (like www.google.com) you will get a massive list of free help that you will find invaluable.
If you want to see what an old guy has achieved in around 2 years, take a look at my stuff. It may not be the best, but I am very proud of it. https://www.wincustomize.com/skins.asp?AUTHORID=194
Just remember to make what YOU like first and foremost, and you'll do o.k.
Looking forward to your first submission, and if I can help in any way just let me know.