Hey, do a quick search in google for free graphics programs. Last time I checked there was a few open source programs available to play with. If you use linux you can get gimp which I know will do what you need. Maybe there is a windows version too.

Basically, the main things you will want are layers, gradients, text control, your basic tools (cut, copy, erase, draw, etc), anti aliasing, and that should be a wrap with basic graphics.

If you ask me, paintshop pro is good enough for you mate. Its really not hard to use at all, and if you already have it, dont waste your money on fireworks. If you want to purchase a professional app, you should keep that 200 and keep saving up for photoshop. Purchasing anything else is pretty much a waste considering you already have paintshop pro, and there are plenty of free or even close to free apps on the net that will work.