Would like "dummies" how to FTP

[AthenaMarina]

I made a site using templates (moonfruit and wix) but what I want to do now is use: Word/Publisher/PPoint/WebPlus any of these! to put a site together (inserting pics, typing etc) and then get it published to the web.
I share the ISP with my landlord and I don't want to have to ASK him if I can publish my website when I have looked up info on FTP it sounded like I had to do it through my ISP and I am trying to find an alternative.
I've heard of Cute FTP and CoffeeCupDirectFTP
don't know much about them - do you?
Alternatively, is there a way I can get hosting for a site made on
Word/Publisher/PPoint/WebPlus? Or notepad even.
I am trying to make a basic but good looking site without code or templates.
Yes, yes, I don't know much about it, but please be nice if I don't ask how will I learn? So yes you are geniuses! Please help thanks!
P.S. I have a Wordpress site too, but it's for a business (on a tiny budget!) not neccessarily wanting to only have a blog site (although I DO like Wordpress) Will get a domain name soon.