Well with Photoshop you should make a transparent document 10x10
file>>new>height-10 width-10
Background contents > transparent
Get a 1px white pencil and draw from left to right missing 1 block each time after you have finished that go to edit>define pattern.
Then when you want to fill a area with that pattern choose your paint bucket tool then @ the top you will see forground colour change that to pattern then click the little box next to it then choose your pattern and simply click the picture you want to fill 