Hi Michelle, I've actually used MS Word for some of my design transfers onto wood, and it does have some clipart available and more online for download. If you have an inkjet printer and some time to practice your transfers, it can work well. I also have used the Paint program that came with my computer for some minor manipulations, such as flipping the image so it transfers easier. A friend of mine recently introduced me to a program called Gimp, which is free photo-editing software and could possibly be an option for you. I just haven't had much of a chance to try that one out.
Good Luck!