Need Some Help.

I need some help. I designed our website and blog by filling in templates with the appropriate information. I don't understand html or other complicated webdesigns. I would like to know how some of the people that read my blog (that have blogs of their own with cool, personalized headers) designed thier headers. What program did you use? How did you do it? I realize that the answer is probably going to be complicated...but if anybody has any suggestions on how to create a personalized header, we appreciate it. What I'm looking to do is us a pic of the family with some words and cool design. So please let me know if you have any suggestions or can help.