Not sure if I understand the question correctly Peggy, but as An Ace member, If you upload your image then click on 'textures' on the left, the top option is 'Add your own' ( ie texture or overlay). just navigate to the file & upload it. You can move the layers up or down or move them in the layers palette.
I have a picmonkey question too! I understood that is was free. I tried to download it and it says trial! That means that it is not free. Have they changed? I would appreciate any info and help. Thanks
I think picmonkey used to be free. I used it a lot when I first started on 365. They have now started charging for everything more than the basics. I feel it is not worth what they are charging I use ribbet.com and have paid for an upgrade there.