check out the tutorial here at createblog
but also:
http://www.myspaceprodesigns.com/MPDLinktextcodes.htmltell you what all the .btext ect mean and such.
it also helps you create a very simple div overlay.
for an example and such.
i'd recommend ps, i haven't used psp or anything other than it (aside from my hand at illustrator for all of 15 minutes before I nearly broke my keyboard into a million pieces) there are about 900 tutorials online (more than that i'm sure) so just get to work.
AND HAVE FUN
(it seems to be what everyone forgets)