You would use a photo editor like
photoshop,
paint.NET or
GIMP. If you really feel like paying for a photo editor I would recommend Photoshop Elements 4 which is only like $30 on amazon.
Actually, you should be able to do this in paint even.
The tool will be called something different in every program. In GIMP it's canvas resize. I can't remember what it's called on others.
In GIMP, you resize the canvas to 256x256 or 512x512 or whatever the height of the image is. Save (using save as and a different name) that as your first square. Then reload the first image. Resize the canvas again but offset the canvas by 256 or 512 or whatever on the x axis and then save it again. This gets you the second image. Reload, and this time offset it to 512 or 1024 (see the pattern? You're just incrementing by the same unit you began with). Continue this until you've got 6 pictures. The 7th picture will be an environment map. If you have a modeling program you can map your textures to a sphere and make a fancy environment map. Otherwise, just use a random part of the sky for 7, it doesn't matter. You'll only ever see it if someone forgets to texture a model.