For any of you who would like to create your own tea-towel calendar and who lack either the time or expertise to make one from scratch, here is a calendar template you can download and use with one of your own design images. Click to download the full-size version. [also: Download htm file (editable in Word) or download a rasterized Photoshop file]
By way of an example, below is a fun calendar I made using photos of contest fabrics as a background (compiled using the 'collage' feature of Picnik), and inserting a semi-transparent layer between the calendar text and the photos. I wouldn't offer this to anyone else, of course, without securing permission from the designers of the various pictured fabrics, but it's a fun idea.