So as promised to the best of my ability (as it is easier for me to show people how to do something rather than explain in text) how to create your own DIY monograms!
Okay so my best advice would be to use powerpoint if you are not already doing so. Start with a blank slide and insert each element of your monogram one by one. Say for example you would like to use the palm tree clip art as the main component of your back round you will want to insert this into the slide first. You are able to change the color of the clip art. What you would need to do is change the saturation level of color. (It sounds hard but its not) under the correction section of powerpoint you click on adjust and adjust the color as you please. After you have the palm trees at a color you like you can start the next element of your monogram. If you would like your names begin with yours. Click insert new textbox type your name and center it. Next you go through each font and color till you find your favorite combo. Repeat this step for your fiances name as well. Once you have both names the text should appear infront of the palm tree. If it does not click on the palm tree go to the size rotation and ordering section and click on layering. Click move to the back to bring both of your names infront of the palmtree. Add each of the elements as you did your names by clicking add text box. After you have everything you want in the right font color and position click edit select all and go back to the size rotation and order section. Click on grouping this time and click group. Your almost done! Now you are going to want to save the file as a jpeg. If you go to file save as go to the format section and select jpeg select where you want it saved to and name it. Click save and you are all done!!
I hope this helps!
Here are a few more samples of ones I have done for me and for others...
Again hope this helps and good luck!! Jamie