We start by creating a new graphic image. The size is really up to you. I would recommend something around 100 pixels by 100 pixels like the one used in this page. The idea behind this is that we are going to let the browser "tile" or repeat the image both horizontally and vertically to fill the page. If your image is very detailed and needs a lot of colors than save it as a JPG file. Otherwise, if you can reduce the colors to 256 or under and it's not very detailed then save it as a GIF file. For example, a picture of you and your dog would be better saved as a JPG file. The image for this page was saved as a GIF file.
That's all there is to it. Now just FTP transfer (or HTTP is your service provides it) your image file and your HTML page file over to your home page directory and your done.
Just a couple notes on background images. Backgrounds can either make or break your web page.
Always keep your background images as small as possible so your page loads fast. If possible, make
the opposite edges "match-up"; like on this page. Keep the colors toned down, some colors may
make it hard to read the page's text.