This morning's post by Mama Castner only made me want to do it more, so I did some more searching and came across this AMAZING tutorial by Cathy Zielske on how to create my own overlay using Photoshop, or, in my case, Photoshop Elements. The steps are exactly the same. I printed it and watched the video for further detail.
And look what I came up with!
Photo by Jennifer Millian
I just got my money's worth out of Photoshop Elements. :)