Just a short list of free software out there, and my short review of each.
Some I have tried, and some not. I will state that.http://www.cropmom.com
Online scrap editor. Very limited but useful in a pinch.
Has a forum community, but have not participated yet.
Allows you to make scrapbook pages based around your photos and then download them in various formats. Low resolution downloads are free and will have the site logo on them and are usable for emails and blogs. High resolution will cost you, but can be printed out on various items.http://www.scrapbooksetc.com/
Have not tried this one yet, but looks good for ideas.http://www.scrapbookgenerator.com/
Handy online toolhttp://www.daisytrail.com/
DaisyTrail is a free website for scrapbookers to share their work. DailyTrail is a scrapbook social network where crafters can meet friends, discuss ideas, and get inspiration for their own scrapbooks. You can download free kits and talk to friendly people.
BEWARE!! I downloaded their free software twice, and got a LOGIN STEALING TROJAN both times. After removing it the first time, cleaning my pc, and redownloading the software again 2 weeks later, I had to remove it again. While reporting this to their administrators twice, was told in so many word, their software is not bundled with bad elements, it must be me, I have stayed clear of them. Please beware!