Definitely check the MS web site. If you know how to use frames, it is not too hard to create your own, either.
Also, having no money to spend should not be an obstacle to having great software. There is more Open Source stuff out there for Windows every day. Totally free.
I use their site for clipart (THOUSANDS of items), templates, downloads, and how to's. So that you don't have to remember a long link and also can find it when you are at another computer, here's what I do:
go to Microsoft.com
put "clipart" in the search box
Usually the first choice is this user area. There's so much available it can be a bit overwhelming at first, but play around with it and you'll find lots to use.
I have an example I created for our newsletter last year. I typically use Publisher, but I had to convert to Word when we were able to post the newsletter to our website. Not fancy, but it got the job done. I'd be happy to send it to you. -Jill