Microsoft FrontPage has about all you will need to create a superb website. The only other software you could do with will be a good image editing program to prepare still images for display on your web pages.
Paint Shop Pro, Ulead PhotoImpact, Adobe Photoshop, Macromedia Fireworks and so on will all do more than you will ever need for image editing.
If you do not have any of the programs listed you can use a freeware image editor like IrfanView click here which can do pretty much everything you will need it to and doesn't cost anything but the time to download.
Believe me when I say the last thing you need is to march out and spend money on templates. FrontPage has a lot of themes, some of them look better than others, but all of them are fully customisable and you can alter them to suit your own preferences.
Inexpensive web hosting can be found at Web-Mania click here or Web Attention click here
Both of the above were originally brought to the attention of us here by one of our members who goes by the nickname of Talented Monkey.
The links supplied in the reply by Matt45 are for his own web hosting site and his own web design site where he also sells templates that originate from this site click here
I think it's only fair to point that out to you, although the choice is obviously yours whether you decide to use him or not.