On Pinterest I keep a board called For a Rainy Day that I have added stuff to that sounds interesting, but I never know when I might get to it. One of the pins I added was about blog headers.
It lead me to this blogging site. This is a great tutorial on how to use Pic Monkey.
This is why I love Pinterest, it can lead you to things you never knew existed.
First, a website actually about blogging and resources for that and then to a site where photo/collage editing is totally free (unless you want some of the fancy stuff.) The collage feature is what I used to update my title header.
An iPhone and iPad app I am loving right now is called Over.
It looks like this in the App store.
It can do things like this to your photos: