Dianne,
Your N65 has no metering capabilities with your Lensbaby.
You need to shoot in manual mode using either a handheld light meter or extimating your exposure based on the amount of ambient light. Film boxes used to have instructions on this.
At the bottom of this web page there is a chart of manual exposures based on 100asa film shooting:
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www.sederquist.com]
Your three plastic washers (two came on the key chain) give you f4, f5.6, f8. No plastic washer with the rubber o-ring installed is f2.8.
I would suggest that you find an effect, based on the aperture in use, that you like (f2.8 has a much more impressionistic look than f5.6 or 8) and stick with it. Fast changes of apertures is not a current option with a Lensbaby.
I anticipate that with a little practice your Lensbaby will become a fun way to produce unique images.
Have a beautiful day.
-Craig
You could not step twice into the same rivers; for other waters are ever flowing on to you.
Heraclitus of Ephesus