I'm not much newer to MySQL and PHP than you, so don't feel bad. What book are you reading? The MySQL manual, available on their web site (and should be with your installation) describes the process for handling privileges very clearly.
I recommend Beginning PHP from Wrox Press, which offers an excellent discussion of setting up MySQL, or Beginning MySQL from the same folks. Additionally, although I don't generally recommend anything from Sam's, their Web Development with MySQL & PHP has been kind of useful.
Notwithstanding, if you have the ability to grant privileges on your database, you should be able to grant privileges to your script using the the GRANT command at the MySQL prompt.
If your script is going to connect to the DB as "cooldude", you make sure you connect as follows:
$db = mysql_pconnect("localhost", "cooldude", "passwd");
At the MySQL prompt you need to grant "cooldude" the privileges you want him/her/it to have.
GRANT SELECT, INSERT, DELETE, etc.
TO cooldude@localhost (or whatever host they'll connect from)
IDENTIFIED BY 'passwd';
You can do a select * from tables_priv OR user to see who has what privileges on which tables.
DCP