I spent a good bit of time designing holiday images for a Zazzle contest. I did not expect to win, but figured my chances were better than the lottery. You can use designs loaded on their site, create a design on their site, use your own photo/design, or any combination of the above. They have all kinds of different products (shirts, wine labels, cards, shoes).
Here are some of my designs that you can print out to use at home. I will add a link at the bottom if you want to find them on Zazzle.