Have you considered using shout box?
that might be the easiest thing I could advice at your level.
I do agree with greg when he said
"Sincerely, one step at a time - don't run before you can walk.
Learn HTML and CSS, design and make a site of your own that isn't a template system, then start adding complex things like chat systems."
You might want to learn more before adding tweaks to your site.
and another option would be to hire a freelance web developer to work on your site. that's the easiest solution for you.
