Your account includes spaces that are either web-accessible or web-inaccessible.
Your user home directory, /home/USERNAME, contains many critical files used to operate your website, so it follows that it is web-inaccessible. Therefore, you may create new folders or files here that you do not want the world to know about or see. This is a good place to store your database connection or other files that contain passwords or critical data.
To upload your "homepage" or website materials, the stuff you actually want the world to see, upload that into the "public_html" directory. You may of course create other sub-directories and files in there as well, which will all be web-accessible.
/public_html - This is where your site files will go
/public_ftp - Files for your anonymous FTP
/www - same as your public_html directory
Warning - Do not delete any pre-existing files or folders you first see in your home directory.