This is sort of sickeningly sweet, but I was browsing through a scrapbooking site over the weekend and discovered the Shabby Princess blog, where you can download a free monthly wallpaper image that you can add your own photos to.
The wallpaper image is a transparent .png, so you open it up in Photoshop and slide your photos in a new layer underneath the openings, then save it to use as wallpaper. Pretty clever.
