As a Indie Author, the expense is all on you and there will be times especially when you are starting out that you need to save money whenever possible. Editing and Proof Reading will Always take most of your money. First impressions are crucial and your book cover has to be able to grab the potential buyer’s attention.
Remember even Graphic Designers had to start somewhere, and I’m sure most of them if they were to look back on their earlier projects would say: “who did that?” or what “what was I thinking?”
I’m am no where near the blend and super-impose piture phase yet, but with practice-I will at least be able to recoup some of my expenses for Graphic Designers. This was done in Word 2010
Obtaining Photos-Deviant Art.com
Mandee Kulp – How to Make E-cover in Word
Derek Murphy – Creativindie