Hi Debbie,
I'm going to use yesterday's template as an example (Pizza Template). After you unzip the folder you will see 3 files:
PSD
website
WPTheme-Pizza
The "PSD" folder contains the Photoshop psd files for all the graphics (header, footer, banners, ecovers, etc). This is included so that you can easily modify the graphics to meet your specific needs.
The "website" folder contains the html version of the site.
The "WPTheme-Pizza" folder contains the Word Press theme to be used on your Word Press blog. Just upload it to your blogs theme folder & activate from within your WP admin.
If you want to use the html version you will need to edit the index page. There are several ways to accomplish that. If you have a basic knowledge of HTML, just open it up with Notepad, Notepad++ (
www.notepad-plus.sourceforge.net/uk/site.htm), or TextPad (
www.textpad.com/). Or if you prefer, you can just use one of the HTML editors such as:
CoffeeCup (
www.coffeecup.com/)
Kompozer (
www.kompozer.net/)
Dreamweaver (
www.adobe.com/products/dreamweaver/)
Expression Web (
www.microsoft.com/expression/)
Currently the index page for our example site looks like this:

Here's the default coding for that page:
<html>
<head>
<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
<title>Website</title>
</head>
<BODY TOPMARGIN=0 LEFTMARGIN=0 MARGINHEIGHT=0 MARGINWIDTH=0 background="images/background.jpg">
<div align=center>
<table border="0" width="800" cellspacing="0" cellpadding="0" bgcolor="#FFFFFF">
<tr>
<td><img border="0" src="images/header.jpg" width="800" height="180"></td>
</tr>
<tr>
<td>
<div align="center">
</div>
<div align="center">
<table border="0" width="540">
<tr>
<td align="center">
<div align="center">
<table border="0" width="600" background="images/testimonial.jpg" height="300" cellspacing="0" cellpadding="20">
<tr>
<td>
<table border="0" width="100%" cellspacing="0">
<tr>
<td>Lorem ipsum dolor sit
amet, consectetur adipisicing elit, sed do eiusmod
tempor incididunt ut labore et dolore magna aliqua.
Ut enim ad minim veniam, quis nostrud exercitation
ullamco laboris nisi ut aliquip ex ea commodo
consequat. Duis aute irure dolor in reprehenderit in
voluptate velit esse cillum dolore eu fugiat nulla
pariatur. Excepteur sint occaecat cupidatat non
proident, sunt in culpa qui officia deserunt mollit
anim id est laborum.<p> </p>
</td>
</tr>
</table>
</td>
</tr>
</table>
</div>
</td>
<td rowspan="2" valign="bottom">
<img border="0" src="images/banner-120x600.jpg" width="120" height="600"></td>
</tr>
<tr>
<td align="center">
<table border="0" width="100%" cellspacing="0" cellpadding="0">
<tr>
<td>
<p align="center">
<img border="0" src="images/order.jpg" width="250" height="100" align="right"></td>
<td rowspan="2" valign="bottom">
<p align="center">
<img border="0" src="images/banner-120x240.jpg" width="120" height="240"></td>
</tr>
<tr>
<td valign="bottom">
<table border="0" width="100%" cellspacing="0" cellpadding="0">
<tr>
<td valign="bottom">
<img border="0" src="images/guarantee.jpg" width="200" height="200" align="right"></td>
<td valign="bottom">
<img border="0" src="images/banner-160x160.jpg" width="160" height="160" align="right"></td>
</tr>
</table>
</td>
</tr>
</table>
</td>
</tr>
</table>
</div>
<p align="center">
<img border="0" src="images/banner-728x90.jpg" width="728" height="90"><p align="center"> </td>
</tr>
<tr>
<td><img border="0" src="images/footer.jpg" width="800" height="100"></td>
</tr>
</table>
</div>
</body>
</html>
The index page contains graphics that you can choose to either use or discard. For this example let's pretend I am going to sell a pizza ebook.
I'll start by adding a headline at the top. Look for this coding:
<td><img border="0" src="images/header.jpg" width="800" height="180"></td>
</tr>
<tr>
<td>
<div align="center">
</div>
And add this directly under that:
<div align="center">
<h1>Discover 100 Delicious Homemade Pizza Recipes!</h1>
</div>
Next I'll add my sub-headline:
<div align="center">
<h3>Hmmmmm, Taste The Melting Cheese Now ...</h3>
</div>
Next I'll add the greeting, salescopy, ebook ecover, guarantee, and order button image:
<P style="MARGIN-LEFT: 80px; MARGIN-RIGHT: 80px" align=left>
<b>Hello Fellow Pizza Lover!</b>
<BR><BR>
<img border="0" src="images/e-Box005-250.jpg" width="250" height="269" align="right">
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
<br><br>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
</P>
<P style="MARGIN-LEFT: 80px; MARGIN-RIGHT: 80px" align=left>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
<br><br>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
</p>
<div align="center">
<img border="0" src="images/guarantee.jpg" width="200" height="200">
</div>
<P style="MARGIN-LEFT: 80px; MARGIN-RIGHT: 80px" align=left>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
<br><br>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
</p>
<div align="center">
<img border="0" src="images/order.jpg" width="250" height="100">
</div>
<P style="MARGIN-LEFT: 80px; MARGIN-RIGHT: 80px" align=left>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
<br><br>
Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here. Your sales copy goes here.
</p>
The resulting page:

Obviously you would want to polish the site up as this is just a quickie example. But it shows you the basics of how to edit the index page.
Hope that helps!
Mark