The title isn't included in the word count, Denise, so you're safe that way. Do just check the total by finger power though (ie don't rely on the computer word count to do it for you) and be especially careful around compound words and words with hyphens -- check with one of us in cases of doubt.
I knew that rule hence my titles - in which a kerfuffle happens and the following scientific incidents regarding light speed occur..."Wait, the title isn't included in the word count?
I've been submitting stories for a couple years now and I've always included mine in the count (Hence my really elaborate titles like "The Ace")