now i am a beginner web designer, i have no sketching on paper experience and i need to ask you.
How did you choose the colours you gonna use when you designing a web site?Did you use something like http://colorschemedesigner.com/ or adobe kuler to pick a colour scheme for you and if yes, how did you know where to put each colour, e.g this colour goes to background and this to the links?
I like http://www.colourlovers.com/ to explore and search for color schemes. Sometimes I got a base color in mind and chose a color scheme to match that one. Where to put each color depends on the look you want to achieve. I usually just play around a bit in Photoshop or CodePen to figure that out.
I often use Adobe Kuler since I am color blind. Once you get a color palette one of techniques you can use is contrast. Background color to text color should have sufficient contrast for good readability. I also take into account the feelings and moods that each color can give to your users.