Like Szandor said, I'm not quite sure you are ready to freelance. There's A LOT more involved in freelancing than just knowing basic HTML, CSS and how to use Photoshop.

You have to remember that by freelancing, you are also responsible for EVERYTHING else... finding clients (especially at the beginning), managing and supporting those clients, managing the finances, continually upgrading your skillset, etc, etc, etc.

You also need to understand domain registration, web hosting, ftp, etc. As an individual, there's no way I'm going to let someone design a site who's not even sure how to put it on the Internet.

Your clients are going to ask all these questions. Don't get me wrong, no one is going to know every answer when it comes to web development. The technology is always progressing and moving forward (hence the above reference to continual improvement of your skillset). However, your clients are going to expect you to have the knowledge to support them.

Put it this way... Let's say you take your car to a mechanic and he's not sure how to put it up on the lift. Are you going to feel comfortable having him work on your car?

I know it's a strange metaphor, but it's the same thing in the world of web development. Their website is a vehicle that can either help take them where they want to go, or it can sit broken down in the garage.

Like Szandor, I don't want to discourage you at all. Follow your dreams and aspirations but make sure you pick up the proper tools along the way to complete your journey.

To get you on the roll, and to get some experience, I would find friends (or friends of friends... even friends of friends of friends... you get the point) that would let you create a website for them for free (or a really cheap rate).