here's my website:
www.newportclassic.com
do you know of any free, easy to use, content management systems, that will allow me to simply edit the text on my site without having to download the file, open the file, edit the code, save the file, upload the file ???????
Wikipedia has a very good list of content management systems broken down by language and cost (open source/proprietary) and DBMS. Most of the ones I've used/evaluated in the past have been .NET based, such as DotNetNuke. Pretty much any CMS will give you the ability to edit your HTML without changing any files on your web server. If you're going for simplicity, the Wikipedia list has several that use a flat file instead of a database, so I would start there: http://en.wikipedia.org/wiki/List_of_content_management_systems#File_.2F_Flat_file
I know of a few CMS's that have done well, here are two of them.
You can use emacs -- it has a mode (tramp) where you can open, edit and save remote files as if they were on your local machine. This makes it really easy to edit files on a webserver.
As an alternative to installing a CMS on your server, you might be interested in a service like CushyCMS. It allows you to specify what parts of your page are editable by setting an appropriate class in each editable div tag. Then to edit the contents of those div blocks, you log in to the CushyCMS site and make your changes right there. CushyCMS connects via FTP to the server for you and updates the HTML page.
haven't used it myself but i've heard Surreal CMS is quite good and easy to setup. Here's a tutorial to get you started.
Refinery HQ is probably the easiest way to create, edit and update your website. You can upload images and files as you describe in your question.
You can also connect it to your own domain (it's a hosted service). So you'd be able to hook the site you create up to newportclassic.com