I have an image i have been wanting to do for sometime and i thought i would give it a go.

Now i need help with doing something in it and i have tried every way known to me including trying to make a terrain into what i want. I know you can get brushes to do it in post work but i have gone over my budget this month.

image i have posted will give you a general idea of the image i'm going to attempt to do, what i need to know how to do is make it look like water is running/falling from the creatures head and lower body. If anyone knows a way of doing this i would be so greatful for your help..

Well I would use one of the basic generic terrains, placing the peak of the terrain halfway up and in the centre of the creatures neck, and stretch the floor of the terrain below the water level and use a water mat (the same as the sea in your pic). Then copy the terrain and move it up just a little higher than the original and use a foam/cloud type mat on that. Hope that helps.

Conforming water in Bryce is difficult to say the least. Not to mention the increased render time.

I've had fair luck using Amorphium pro to create OBJ's that have softer bio style shape, I've also struggled with painting terrain/height maps to create waterfalls.

So far, the best luck I've had for water is in 2D/Post. You can use a combination of Brushes and the Photoshop Liquify tool to accomplish some decent water.

Let me know if you're interested in 2D Manip. I'll try to find some decent brushes and give you some pointers.