For Eclipse, typically all you need to do is set up a folder somewhere within your source code directory. For instance, if the directory containing your source is /src then you can create a /src/resources folder to place your images/files in. Then, within your class you do a getResource("/resources/image.png") to retrieve it.
You can also place the image/file within the same folder/package as the class trying to access it if you wish (example: place the image.png in the com.mycompany package with the com.mycompany.Foo class that needs to access it and call getResource("image.png")), but I’ve found it’s easier to keep resources like images and other files in their own special directory outside of the class folders — they’re just easier to manage that way.
In Eclipse, whenever you do a build, the files within this resource directory will be copied over into your build directory along with your compiled classes.
It’s important to note that if you have “Build Automatically” turned on in Eclipse (as most people do) any resources in this directory that get changed outside of Eclipse (i.e. you edit an image using an image editing tool) that the IDE may not always detect this change. Usually doing a refresh on the project folder will ensure that the file gets updated in the build in these situations.