I made a cover page on Word and then made it sort of fancy. Well, fancy for me.
I found an app for my phone called Pic-Collage
https://pic-collage.com/
and I snap some photos with my phone and then play! You don't have to have a phone to do this. You can do it on a tablet and it can be a Mac or anything Microsoft. Check out the link. It is not for a desktop. For that I use a programme called Fotor Photo Editor. Sorry, no link from me for that one.
Just a little thing for you to think about before the year gets away on you. Yes, I save things on a file in my computer, but if that fails.........