Hi mom2five!
You've used the img tags, but the url you used was for the page (what you find at the top of your browser's page) instead of the image url that you need. When I go to the page you posted, I find the album containing your image. If I click on the image, I get
the image's page.
(BTW, I think it very unkind of Photobucket to end their page urls with the .jpg ending. Every other photohosting site I know limits the .jpg ending to the actual image's url. I consider you to have been unfairly tricked!

--to Photobucket!) So how can you identify the image url you need? There are two ways (the 1st will work on lots of webpages--for instance BMV pattern pictures, the 2nd is easier but is only for Photobucket):
1. Put your cursor on the image you want (in the size you want it to be) and right click. The next step depends a bit on which browser you use:
in IE, choose "Properties, then from the popup window copy the url (address), which may be longer than the window in which it appears, so first highlight it (cursor on it, then Ctrl+A), then copy it (Ctrl+C).
in Chrome, choose "copy image url"
in Firefox, choose "copy image location"
then come back to your editing window, click the button labeled "insert image" (1st button in the 2nd row over the editing window), then paste the image url you copied between the img tags (the img tags you just added by clicking the button).
2. On the image's page (not the album page...I've included a link to the image's page above), there's a drop down menu labeled "Links." When you click that, you'll find a selection titled "IMG code." Click in the code window and it will say copied in yellow. Come back here and paste it where you want the image. That's it. You don't need to add img tags with the editing buttons or anything. Photobucket had already added those. When I do that, I get this:
[IMG]http://i1196.photobucket.com/albums/aa404/ap1304/stella-1.jpg[/IMG]which yields this:

Please give it another try!