Here are a few tools that enable you to add text to your image without needing to use a special software program. You can do it all online and then add your photo to wdydwyd.
Be careful... some of the fonts on this are cheezy.
Two other great ways to add text:
- Use a program like Photoshop
- Take a photo with text in the scene (e.g. like writing on your forehead or on the beach.)
Often these make the very best images on the site.