I *love* digitial scrapbooking
I use Photoshop Elements. I currently use 6.0 but I believe the current version is 9.0.
You can download a 30-day trial at Adobe's website. You can often find good sales on Amazon, at Sam's or Costco.
There a literally hundreds of digi scrapping stores out there. My favorite digi site is:
www.thedailydigi.com.
I'll try to find some links to tutorials that would get you started scrapping in PSE.
ETA: Shutterfly offers a great product for dropping in photos to pre-made pages. In fact, they have an automated feature where you load the photos you want in a given book, pick a size and design, then let it create it for you. You can move things around after the fact. I've ordered several books from them of various sizes and really have been pleased. They have sales ALL the time. And always look for free shipping offers but the one drawback I have with regards to them is their shipping seems excessive otherwise.