I agree with Nick. IMO, anytime you take parts that mormally don't go together and put them together, you have a custom. Admittedly, some combinations are more obvious than others. Keep up the good work!
*leaves scathing remarks about your need for customs* Even if you don't have photoshop, you can use any image editor to make decals, many of which are free, and you don't need clear decal paper (I use plain white label sheets). But I'll give you the benifit of the doubt (if you can call it that) and say that some of your minifigs are pretty good. I like the Headless Horseman the best. He's a minifig that doesn't really need decals.