Cool Text: This site lets you make pretty headings and such. Pretty sure this is the site most people use.
The Gimp: What I use for image editing. I prefer this over Photoshop since the interface doesn't look like shit or a mac. Also, Photoshop isn't free.
W3Schools: HTML and CSS reference. For those of you who don't just steal code from other pages. Without having the decency to give credit. Assholes.
Color Scheme Designer: Lets you play with colors themes. Enter a color, find other colors that work well with it. See those colors in a sample page. You can also see how the colors look for anyone with colorblindness.