Hi Brian, do everything Thelma suggested first. Mainly, as I suggested earlier, you need to get a Host. Without one, it's like trying to drive without gas. Sure, you can sit in your car and pretend, but your not going to really get anywhere unless you get yourself some gas (AKA a host). You won't be able to test and fix any of these issues very easily without one.
In short, get rid of all your folders, other than what Thelma suggested. All your pages (index, about, etc) should be sitting at root level (top). That will fix your linking issues. One CSS file which links to all pages. Then throw it all up live (with your new host) and "then" we can fix issues as they arise.