substr($string, $position, 0) = $what_you_want_inserted;
where $string = the string you need to have something inserted into
$position is where you want to have something inserted (a numerical value such as 0{for the first},1,2,3,4,5,etc)
$what_you_want_inserted is what you want to insert in the string $string at position $position
hope this helps
Originally posted as a Categorized Answer.