I admit to be absolutely horrible when it comes to creating banners and avatars. I have gladly paid someone in the past to create very simple (but lovely) banners and graphics for me in the past. But since I'm in kind of a cash crunch I'll need to create my own for various projects this year.
Someone sent me this great link to create my own banners. How cool is this?!?
Banner Fans - Banner Creator
I haven't tried it yet but it looks really cool. Have you used it?