Hey Reynolds, I just started myself, and the learning curve, as with everything in this game is steep.
But, there are tons of resources out there to help. Go to the AH Skins website and United's website. Lots of tutorials and so on. The AH Skins site has some ready made templates for a lot of the aircraft. That's where I got the stuff for the F4F I just posted.
For me, I was sure I'd be interested enough to justify the bucks for the graphics programs out there. So, I downloaded GIMP, and have been using it. There's not a lot of supporting documentation, but just experiment with it and you should be able to start learning soon enough. Lots of trial and error. But, you learn, and eventually you'll be able to put stuff together that's presentable...
Good Luck