This is what I have been doing. I drew these with a black Pigma or Sharpie pen on white paper. I found that the Sharpie works better on paper than the Pigma though the Pigma is the only one so far that has been satisfactory for drawing on fabric. I scanned my drawings and started to play with them in Picassa.
Melody Johnson mentione4d using Picassa for put frames around photos and I explored a little and found out I could do a lot more things than I thought so maybe I should ready the manual that I downloaded. If I need to buy a photo program I will but I have to do some homework first to make sure that if I buy something it will work for what I what I want.