I'm beginning to think that all the people who have ever understood monads have written an article trying to explain them.
Same thing here and I am not writing a tutorial, because good tutorials already exist. For example:
http://blog.sigfpe.com/2006/08/you-could-have-invented-monad... http://www.manning.com/bjarnason/
In fact, the latter book lets you write your own functors and monads without even telling you, and then shows you that you actually already understand these concepts.