The best thing you can do is practice.
There truly isn't any magic software. My husband and I draw everything on paper then scan it in to color in Photoshop. I used Photoshop 4 for a long time, and now am on Photoshop 7. I still use a mouse to color. I have heard that if you can master the tablet then it can make the process easier....but have yet to do so myself.
You can see our work on the Artplaymix.com
If you love drawing then just keep at it! The more you work at it, the better you will become ^_^.