You seem like this is something you really want to do. You just need to practice man. I've only been doing this off and on since February of this year, and I've improved a lot. Don't listen to the negative...focus on getting better and know you can do it. But your not ready to charge people yet...I learned what I know so far from pretty much one source
http://www.w3schools.com
I decided to remake your site for fun. I did it only CSS and XHTML. (no adobe graphics except the logo I made). No matter what though, you will need to add images to your sites. There is a lot you can do with CSS. Like I said, I'm still new also, but the page I made shows examples like:gradiants, shadows, rounded borders, and more. It's not perfect, and if I devoted more time, it could be nice, but I just wanted you to get a general idea. Feel free to copy the source code, and css files, to pick apart if you wish or whatever.
I would seriously consider downloading something like notepad+ and just learning from scratch, and practice. It really is the best way. I did this, not only to show you, you can make websites without fancy graphic programs, but also, because it's practice for me! I learn something new every time I mess around. Plus, I don't have any clients yet lol...still trying to figure out that part.
It doesn't display right in IE9, but when I get some extra time, I'll figure that out. (has to do with the gradients interfering with the border-radius...not too sure yet). Any other browser should be fine.
http://www.rightfitcareers.org/RPD_index.htm
Again man. check out w3schools. You don't need any books...just time