I generally resize and cut things with Paint, where fonts are also added. If an user wants a specific font, I have to download it in first place. To add effects such as glow, heat map and stuff instead I use an online editor,
Pixlr.com, that is slightly similar to Photoshop.
I wish I could use Photoshopm but I'm unable to, I don't have it and already wasted a lot of trials in nothing, because when I downloaded them I was quite of a n00b and didn't know how to use 'em.