The process is simple if you've used graphic programs:
- Create two layers.
- Place text on layer three in locations where it is most readable and aesthetically pleasing. ( I'm not very good with this step. There are specific fonts for each character, but that's easy to do.)
- Design the bubbles on layer two.
- That's it!
It would not involve any writing of the scripts or character design, although I appreciate suggestions, I'm afraid someone else's work will be better than mine and a seed of self doubt grows very quickly in the fertile soil of my mind.
If you're interested, but lack the knowledge, I might suggest looking into a program called GIMP, and toying around with layers, text and colored regions. Creating your own comic is a great way to understand the process. And if you come up with something you think is better, don't hesitate to share. Everything I do I just guessed at as I went along, and it's easy to tell things keep evolving (and I hope they always do). I also use a program called OpenCanvas, of which I am very fond.