Yesterday, I had studio portraits taken. While selecting my photos, the photographer used a program to make a montage of a few of my pictures. Basically, it was a "drag and drop" program that imported photos and automatically re-sized them to fit in squares with different backgrounds (seasonal, colored, etc). I am looking for a program like this, where I can add backgrounds, make collages or montages, and add boarders to my pictures. Not so much for a digital album, but so I can later print them and have nice backgrounds, etc. I need a beginner or user-friendly program. I do have Photoshop CS already, but it is really really advanced, and I can't do much more than crop and reduce red eye, which is nice...But it's not what I'm looking for.

Free downloads are OK, but I don't mind a program that I'd have to purchase.

Thanks very much for your advice!!