Here's a video of me using Web 2.0 Covers With Photoshop (the same can be done in Photoshop Elements).

Here's a video of me using Web 2.0 Covers with GIMP (a more detailed video with instructions).

I would recommend using Web 2.0 Covers with either Photoshop or Photoshop Elements. If you don't have any of those 2 programs, GIMP is the next best thing. You can get GIMP for free at:

http://www.gimp.org/

Also, if you haven't bought Web 2.0 Covers yet, you can get it at the link below...

Click The Paypal Button Below to Purchase Web 2.0 Covers