Hi Hopefull,
Don't worry too much that you have been shooting in
Jpeg only, because if you get Adobe Photoshop (Elements or CS5 etc.) you can use a little trick to open your
Jpeg files and process them similar to
Raw files.
Instead of using the "Open File" command use the "Open File As" command and in the drop down panel select "
Raw" and select the
Jpeg file you want to open. You will then be able to do the "
Raw" adjustments before hitting the "Open Image" command (or whatever is used) and moving the file into the Photoshop editing panel.
As said above shoot in both
Raw and
Jpeg until you get your image editing software and get comfortable using it.