EDIT: Tripsis, you've explained what I didn't. Thanks :P
That seems to be the most comprehensive guide to beginning smudging I can find. I wait for your result :P You don't have to do the pentool part at the start, though if you know how to use the pentool well, go ahead! Though you could brush some colors in, and start smudging a little quicker - use these smudge settings - http://rapidshare.com/files/138566341/SmudgeStsNW.png.html DeviantART is really the only site I go on for tutorials like that; sure, there are many GFX Forums/Websites around, but beginner tutorials are rather hard to find.