Code:
Crimson Editor

Graphics:
Photoshop Elements 3 / CS (depending on what I want to do)
Flash MX 2004 (Im a REAL beginner at it though)
Bryce 5
Serif DrawPlus (Again, beginner)

Browser:
Firefox
IE (For viewing how my site looks, I like to have sites compatible in both)
Opera (Same as IE)

FTP:
SmartFTP