One of my dear children bought me the Jan Creating Keepsakes mag for Christmas. They have a digital scrapping tutorial insert this time with step by step instructions for completing several first time projects. It requires the free adobe Photoshop Elements 4.0 trial version. If you are techno-challenged (guilty as charged!) you can also print the embellisments on cardstock and use them like regular paper accents.

Digital Scrapbook Place has a freebie gallery with tons of downloads

Dital Design Essentials has some freebies and great kits

designer digitals freebies

shabby Princess has lovely free kits

Scrap Outside the Box, like some of the above sites, has tutorials online

When you finish you can print your pages at home in 8×8 or 8×11 size.  If you want a 10by10 or 12 by 12 size page you can go to Scrapbooks.com and have your pages printed and even bound into hardcover books if you like.  Price per page comes to about $2.50.