Check out
www.webmonkey.com - very basic site, but it helped me to learn html and I still refer to it all the time. I also like
www.oswd.org for web templates - clean and easy.
I suggest buying a book on html and checking a few out of the library - perhaps one of the For Dummies books, there are tons on the market.
And I suggest asking around, there may be free or very low cost classes on web design in your area - your local library, rec center, community college, even a church group in my area has a "Learn how to build a website" class for free.
Have you considered exchanging services with someone? Perhaps a web designers weight in silk veils for designing 4 websites?
Also, I like both of your websites listed - they look fine to me!