It's the time of year when I create a calendar to give to friends as a Christmas present. I use a heavily modified version of a Photoshop ActionScript created by Jeffry Friedl. The original is here. My templates include UK holidays.
You can download this year's templates in psd (modifiable, everything is on layers) format:
There is an image description layer in the psd files, you can optionally make this visible and edit the text to describe your image.