Composite photos _ These are photos with text or other graphics superimposed on the photo. I do this a lot with the quotations I post on social media and put into my newsletters. Import a photo into PowerPoint and expand it as large as you can on a slide. "Insert Shapes" and insert a text box onto the slide over the photo. Type the text you want to superimpose onto the photo and set the text color so that it contrasts nicely with the photo as background. Group the components and you have a composite photo.
You can use templates to help you get healthier. There are a couple of designs for a diet and exercise diaries and grocery lists. You can even create a household budget or a household chore list. Figuring out how long it will take you to pay of your home loan can be done using a Microsoft Word template. Seems like there might be template for every aspect of life.