Step 4: Colours, fonts and imagery
I've chosen two fonts over the site, one I really like called eight-one and for the content text a simple, readable Franklin Gothic Book. Your header and nav links can have a signature font, something you like that's eyecatching and a bit different, it should still be plenty readable though.
Your content font should be clean, very readable and attractive.
At no point will you use comic sans or papyrus, just don't.
You should stick to a few main colours, they should be complementary to each other and not too garish, my choices where white, black, red and a touch of grey.
In your header and background you can have images - well you can put them anywhere really, if you're going to have an image in your header I would suggest something abstract and interesting or something simple and representative of your site, like my ickle jackalope...
Take care with your use of images, when done right they can be really effective, multiple images in a header doesn't work often but a big image indicative of the site can work really well, background images can be used really effectively too, however image choice is important, something natty or too busy can make for a visually confusing site.