I was reading Cielo's blog http://houseinroses.blogspot.com/ and stumbled along her post http://houseinroses.blogspot.com/2010/10/hi-ya-there-lovely-readers-would-you.html regarding this web site http://www.photofunia.com/. Most of the tempates are free to use. I just used one photo for all of the effects. Cielo's blog is amazing, if you have not been over there you must stop and visit, but make sure you have some time to spend. Thanks Cielo for sharing this site with us and all your creativity.
I thought the chalkboard was cute, my daughter wants to be a secondary english teacher. Let me know if you make any creations, would love to see yours. Blessings, Michelle