I made the layout in PS, but I don't get how to get it actually into in an editable website. Are there tutorials for this?

http://img.photobucket.com/albums/v327/Brines/bloglayout.jpg

do you want it placed in the middle or something? Do you know basic html?
I think what you need is divs (http://lissaexplains.com/html7.shtml) or iframes (http://www.lissaexplains.com/frames.shtml#inline) to put your text in that box, image mapping (http://www.lissaexplains.com/fun6.shtml) for those links and some basic html (http://www.lissaexplains.com/html.shtml) knowledge :) and of course a webhost to upload it into :D

Is there a way to make the 'Newest Blog' text to change to 'Music' or 'Pictures' when I click a link? Do I need to have it load up the layout again just for a little bit of text?

Do I need to have the text inside of the iframe? I think it looks a lot better on the line. Is there a way to put it on the line?

As far as I know, you'll have to change the image.

Well If You Make It With Flash With A Little Dynamic Programming It Could Work.