image formatting problems.. always text wrapped =/

Hi there, ive been having a problem with formatting my images.
When i make a post, i have no real control over how my images are displayed, no matter what i do. (i must be doing something wrong, im a noob with this stuff)
All i want to do is have something like this (i apologise for my crappy diagram) :

——————————————
[IMAGE]
{text}

[IMAGE]
{text}
——————————————

but for some reason, my text wont go underneath my images. Instead it looks as if it’s text wrapping instead.
something like this :

——————————————
[IMAGE]{text}
[IMAGE]{text}
[IMAGE]
——————————————

I’m probably doing something simple wrong, but for the life of me cant figure it out. Can anybody suggest some things i should try? Are there any plugins that can help with formatting etc?
I wish i could just have an image with text under it, either centered of justified to the left/right.
I appreciate any help i can get.. Im totally lost with this!
cheers