Filling objects doesn't go well i like modeling in blender, but always there is an problem.

As you can see here, i want to fill the hole, but in hole is an circle, so when i press F... this happens 

My question is, how to fill it without making it fill the circle too? Since i have to use more and more faces which complicates texturing the model.

Any help is apprecitiable.
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Sorry for my English, if needed, i'll try to explain my problem better :)
There's lots of ways to connect a hole. The only rule you have to obey is that at least one edge has to connect the inner edgeloop with the outer edgeloop. Two or more are usually better.

If your mesh doesn't have to be watertight, and polycount is important to you, then you can even make a very simple hole as long as it gets covered by the other geometry (lower left).