Ok, I'll tell you how I made our header! I used the Fall Springs alphabet from Creative Delights and resized it.
There's alphabets, fonts and other digital scrapbooking images available to download. They are not free, but they are nice! Often there's specials so it's not so expensive. I can see how it could be addicting to collect sets!!
There's a Creative Delights Companion that you can download for free to organize your images and make page layouts. I haven't used it for scrapbooking at all, just used the "save image as file" so I can use them in other programs. Many of the alphabets and Journal Delights are available in PNG so there's no white background and "can be used in all photo imaging and desktop publishing programs, such as Photoshop, Photoshop Elements, Fireworks, Publisher, Illustrator, InDesign, and others. They also work in newer word processing programs such as MS Word 2003 and WordPerfect 9." I think we have Photoshop but I don't use it. In Word 2007 they don't seem to be transparent but can still be used as jpegs. I don't know exactly how I'll use them for sure. The Companion really doesn't do everything I'd like. I believe there's other software that can be purchased from Creative Delights website though, so maybe I'll check it out. Not that I really have time to use it anyway...
So far I used the images I've collected in my newsletters for day care and CHAOS. I made some cute name tags for the kids closet with the Movie Monsters set. (I can use it as a business expense! LOL!) Neat stuff!