I finally have your answer Rose. While you don't have a rich text editor for updating your blog, that shouldn't stop you from spicing up your entries. HTML makes use of the > and < brackets in posting. I'm replacing them with regular brackets here. 

First you need a host for your photo. I use both photobucket and dotphoto with good results. After adding your photo you can simply use the code they provide. It should look something like this:

(a href="http://www.dotphoto.com/Go.asp?l=MrsZ&P=&AID=5711864&IID=211141245&T=2")(img src="http://www.dotphoto.com/SAN1/7E/AE/AC/i7EAEACF0-F4B8-4D49-8F52-EA85E699F266.jpg" width="480" height="128" border="0")(/a)

Other code you can use is

(em) words you want in italics go here (/em)

(strong) something you want in bold goes here (/strong)

(u) underline text this way (/u)

Just remember to replace all of the ( with < and the ) with >.

Happy posting!