HELP!

Okay... so I have been perusing other people's blogs lately, some people might call it stalking but I find that offensive, to feel inspired to keep up with my blog. I managed to put a cute fall background and banner on it but I can't remember for the life of me how to insert text and picture! I feel a bit discouraged that I still can't do this!! So, I promise to become a better blogger if someone will help me figure this out...again. I swear it will be the last time!! Please...