I first started out using word, then I upgrade to publisher, and now I use powerpoint. It is so much easier and then I just save to pdf when I am done.
As the pp stated Scrappin Doodles, ThistleGirlDesigns and Just So Scrappy Too all require a license to sell/give away free items using their graphics on TPT & TN sites. Some require that you provide a link back to their site. You must check out each graphic artists terms of use (TOU) before you purchase and use their graphics-not knowing will not stop any legal action if you infringe on their copy rights.
Print Candee, Lilly Bimble, and Lettering Delights are some others that I just started using for my papers, graphics, and frames/borders/fonts.
