I used to be very interested in web design/programming at one point.. but never followed this up.
The way I always did it, was to use Paint first off to design an image of how I wanted the site to look.. Pretty much a complete first page site design (Homepage), with text, images etc to see how everything looked (Obviousley wouldn't be working, since it's only a image)
I'd then print that off, and go into Fireworks and re-make the whole site making any improvements, and making sure this image is
exactly how the site will look. I'd then slice the site up, using the Cut and Slice tools in Fireworks, into manageable bits.
IE - Left menu would be sliced up onto its own, top Banner would be sliced, Center Content Area would be sliced, Bottom Copyright part sliced, and any other bits.
Would then take this over to dreamweaver, and place these 'images', in as background tables, and use tables over the top to place text onto this.. Thats in theory anyway!..
Mean's you can update certain parts of your site by editing one bit, For example, the Left part could be your menu, and You'd edit 'left.html', which would then alter it on every page.
I only really designed a few sites, and one of my mates did the rest for me, so cant give much help on the html side of things (was acutally asp on most of my sites)
An example -
www.bos-squad.co.uk The left side of it updates when you change the left.asp file..