yeah...i'm a noob and i don't know how to apply textures. help please?

Firstly, you need the Texture items from either ToriShop or ToriMarket.
You'll be spending a nice amount of TC for those.

Secondly, you need to have the pictures, which you probably have.
They have to be sized 128x128, if not, they'll be resized, which most of the time also lowers the quality of the textures.
Also, these image formats are allowed: .bmp, .gif, .jpg, .png, .tga and .tif.

Then, when you have the required Texture items and the pictures, go to Shop -> Textures
There, browse your desired texture on your desired bodypart from your computer and click Upload.

Then, after a few minutes (~5 minutes), the textures should appear on your Tori in game.

god, if only i had a couple bucks.