Beautiful photos, Sally!
I use IrfanView to modify my photos. You can download it for free. You open a photo, highlight the place you want to put text, hit Edit > Insert Text, (pick your font, size and color, and voila! I usually just put a small watermark in a bottom corner, but you can make it as large as you want, and put it anywhere you want.
awesome! and that image is too cute!!! can u save the layer or do you have to redo it everytime?