Wow so much great help in so little time, I'm impressed. Thanks all.
Eeek MS Paint
My sister is big into texturing and when she upgraded to PhotoShop, she gave me her old PaintShopPro8. I'm a little spoiled not having to use MSPaint.
I've also used MS Word to "shrink" many images. Works pretty well, but not always as clear as the original. A lot depends on the original.
All of the custom decals I've done over the years have been in G scale. Pretty easy to get the right sizes in this large scale
Oh, if anyone was thinking of trying something similar, I believe the digital font I'm using came from here:
Digital Font