Thanks but most of the sites if for PhotoShop ..n-fz. said:First off, what does "turning 12" have to do with the banner? I'm sure if you were 11 and started banners, then you would be as good as alot of people here at the age of 12, so ya, I don't get that.
Banner's rubbish, background, text, cuts, no blending, nothing reallly to good, I understand your new to GFX, so I can understand why the banner lacks so much, here are a few sites you can visit.
fonts - www.dafont.com, once you have downloaded the font' extract it, and open the "control pannel" of the computer, from there you should be able to see a folder called fonts, just drag the font you extracted to the font folder, and that's how fonts work.
These are for once you do get photoshop you can use,
www.good-tutorials.com basic info & tutorials.
http://browse.deviantart.com/resources/applications/psbrushes - Photoshop brushes, to improve your backgrounds and stuff.
http://www.mafiagraphics.com/ - Find premade backgrounds & psd's (pre cut images) here.
Hope that helps a bit.