Monograms!!

Just wondering what programs you used and how you did it to create your monograms!! I have tried everything, and I can't seem to get one thing in the background and another word on top of it and then manage to save it as a jpeg!!!

It's been driving me nuts!!! Also because I plan on taking a picture of our cat and having that in the background behind the table numbers, so I need to know how to do this for that too!!

Does making it a watermark help??

TIA

Powerpoint is the easiest as well as Photoshop...although I have neither. I made mine in MS Word. Pictures on my knot bio... I inserted text boxes, made the transparency 100% and overlapped them. Good luck!

OK I feel like an idiot....

I have them laid out how I want them in Powerpoint, but now what do I do to group them together and save it??