I LOVE Photoshop. However, some days I'm in a big hurry and need to create something fun in a matter of seconds.
That is where Despair Inc. comes in handy.
There are several sites that let you create your own motivational posters and this is one of them. They even include a tutorial but I don't see why one is needed. Just upload your photo, select your title and inspiring message, and you get the fun like I've added below.
So what's the catch? They'd like you to order a full poster size instead of the small .jpg file that you can download for free. That part is up to you. I'm happy with my .jpg file. :-)