Well what web site do you have? If you pay for one, you'll get no ads, and much more functionality...and most likely be forced (to start with), to use FTP.
As far as logins and such, it'd be real handy to have PHP (free!) or ASP ($$) on the server. Here's a quick google on one tutorial:
http://llimllib.f2o.org/LoginTutorial.html
But note: that is not very easy to do, just starting out.
Anyway...ignore that stuff and lemme say this:
You say "if i have my own website"--go out and make one, or start/try to. It becomes a lot easier to explain things, and understand them, when you actually try it...
www.angelfire.com
and
www.geocities.com
are two free places to make web sites that I know off the top of my head...