I have found that many competant users of PSP have not discovered the advantages of Layers and even more are afraid of Vectors.
They are both ways of keeping your graphics fluid so that they can easily be changed right away or in the future
First I will make a quick graphic.
This is not an art lesson so it will be very basic but it will give you an idea of how each element goes on a new layer.
Everything in blue text is a link explaining each step so that even a complete newbie will be able to follow along.
If the above graphic was to be used only once doing it in layers is still helpful because a simple thing like changing the background color would have to be decided at the start without layers.
Next : Getting the most out of your hard work.