How to make a iPhone wallpaper monogram, without paying any money?

I really want a cute monogram with my initials or my first initial on it for my iphone wallpaper, but I don't want to have to spend any money. I know there are plenty of apps that make monograms, but they either cost money, or don't look good.

Go to Maybooks.com on your iPhone and click books. Then look through the patterns and pick one you like. Then choose the background shape, typographic style and colors and then put your initials or whatever in monogram text and then zoom in on the monogram. And screenshot it and go to your pictures and crop it. Hope I helped!

As the first answer offers - cheat - take advantage of the work of some people but then don't pay for it. You don't want to paid for the work you do all the time, do you?