Well first what your going to have to do is get a design. Then you will need to slice it up. Then you will need to know how to code in wordpress, it's very easy to learn, here is a documentation that can teach you how to do it. http://codex.wordpress.org/Theme_Development Read through their codex for a bit, and you should learn some basics about it.
I have my design already.. I made this last night thanks to Audigex for the Website Making Tutorial (Credits goes to him). and i would like to use my design for my blog.. well thank you also for the link you gave me, i will definitely be reading this and try to learn how it works.
it aint so easy to code a template without any knowlegde of html/css but there are some good tutorials on the web on how to code a wordpress template.