Your server also has to agree.
There are three places where the charset is set.
-when you save your HTML file in your text editor, as Robert said. The text editor must save the document as utf-8.
-your meta tags (you're good there)
-your server must send the character-encoding headers also as utf-8. If the server is telling browsers "this document is latin1" then the browsers will ignore the meta tag. The meta tag is only looked at when the server does not send out any headers at all.
Right-click on your page in a browser and hopefully one of your options is View Page Info or similar. In there you should see a charset listed for your page.
If you are copying and pasting letters from another document, you need to also be careful there too. I copied some Japanese into my (absolutely saved as utf-8) document, and loaded the page in my absolutely-sends-utf-8-headers server, but still saw some junk. I had to copy from a web page who was also sending out utf-8 and had used the right characters when creating the text.