Jenna, the TZ3 is a very good camera, at the price,I also wanted the SLR lumix, but i honestly could not justify the cost,
the best thing you can do, without spending a lot of money on magazines, which are very expensive, is practise a lot with youre camera, after all digital photography is very cheap as long as you don't print them all out. you can click away to your hearts content, and just analise the results on your computer, then erase and start again, just keep the ones that you like most,
The biggest problem with this type of camera, is the comparatively slow shutter speed wich can give unsharp images unless you use a tripod, and if you don't use one , i would certainly consider it, you will be amazed at the diference,
Gosh i'm waffling too much, just practise,
good luck.
pete.