I take my own pictures, that one of the kids is a cropped picture taken when my daughter had blown the candles out on her birthday cake. Usually I take a nice picture that is suitable for framing, but I just did not get around to it last year (there were only 12 months to get it done..lol).
That card was made up from a free kit I downloaded, it may have been from a few kits actually.
Here are a few sites, some have both paid kits and free and some are just free:
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