Program: Paint Shop Pro (I used both PSP X5 and PSP 8; it should work in other versions.)
Difficulty: Beginner to Intermediate.
This is not a hard project, but it takes some time. I tried to include detailed explanations and lots of screenshots for beginners, so it's a long tutorial. It uses only basic program functions, but there are lot of steps to complete the project. If you're only interested in making something like the front image, you can skip to Part 3.
Should work in any program that has a guides feature and supports layers.
here on my blog
A little early, but I thought that it would give you plenty of time to utilize the tutorial if you'd like to.