Start a new topic on the Photo comp page. Make sure your photo is small enough (you can resize it before you start to put it on). Scroll down the page and find 'Attach image' and click this. Then you can scroll down further and it will show a few boxes - click 'browse' and it will bring up your photo library. Click on the photo you want and the screen will go 'grey' as it uploads (the little wheel goes round) and eventually that will clear and your photo should be uploaded - somewhere on the page it will say in bold print that it is attached. Then submit your post. Hope I've got that in the right order and it helps. Someone had to heklp me the first time too. All the best. Look forward to seeing your photos.
The photo library is just where you keep all your photos. Your computer will know where to find it I'm sure. And no, your not dumb. You only learn by asking and trying.