1. An image combining apparatus comprising: print means which prints an original sheet, including a reference image area in which a reference image is printed, and a handwriting area for inscribing a handwritten image to be drawn by a user and to be combined with the reference image, wherein the reference image area and the handwriting area have a substantially same size and the handwriting area is positioned close to the reference image area; reading means which reads the handwritten image inscribed in the handwriting area and outputs handwritten image data; and combining means which combines photo image data corresponding to the reference image printed in the reference image area, and the handwritten image data outputted by the reading means.