When you use PhotoShop to edit photos like this, the text is always in a separate layer.
I recommend that you look at these Photoshop CS4 training tutorials where you will find loads of helpful hints and tips to learn how to change the font colours.
Rating
Cute Idea by: pointshooter
I like your idea. I think I have more photos of my cat sleeping than I do of his cute and funny antics.
One immediate notice was the fonts. Is there any way you can change the color to make it more visible; maybe red? I'm just beginning PS so I'm mostly full of questions rather than solutions. Keep up the good work.