This is an amazing product that lets you design your own paper for backgrounds, cards etc and make up scrap book pages that you can put your digital photos into.
Not only that, but you can place images of embellishments on the page and then stick the real thing on when you print it out.

Please have a look at this You Tube video to see just a few of the things this program can do under your guidance

This is a video that the expert at Serif did recently, that tells some of the things you can do