Thanks but Paint only puts text on the pictures and as far as I can discover Photo Filtre can only get its images via a scanner. Mine are downloaded from a digital camera so I can't get as far as checking how text can be added.
....but Paint only puts text on the pictures...........
Paint can do exactly what you want. Simply open a picture then enlarge the canvas by clicking and dragging one of the little squares found at the edges and faces of all sides. You'll then have an area of white space to insert text into. If you want the background a different colour then use the paint-can tool first.
If you're not good with clicking and dragging then instead click the blue button to the left of the Home tab (top-left) and choose "Properties". Increase the height by a couple of hundred pixels and it should add a white space underneath the picture. If you're not happy with the result then click the blue left-pointing "Undo" button at the top.
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