The problem with using WYSIWYG editors is that the free ones I have tried produce very messy code and make it almost impossible to position text where you want it in relation to images. If you have no images, and you don't mind messy code, you might try NVU; it's free.
I might add that if you don't want to pay for an FTP client, there is a free deal called "filezilla" which I have tried and it seems to work OK for the most part, altho it is a bit limited in some respects. If you are running Firefox, there is an add-on called "FireFTP" but it is a little hard to use because you need to know what type of upload to use (ASCII or binary) and set it accordingly; the "real" FTP clients do this automatically and you never even have to know it!