There's many free programs that can do a good job for you. If you need an office suite, there's one by Sun that can do about anything you'd want. Basically, it does more than I know what to do with, or can figure out how to use. It's not the most simple, but you might have more experience with these type of programs than I do, which is Zero. But I'd recommend it anytime. It's called OpenOffice and can be found here:
http://www.openoffice.org/
If you prefer using a photo program, here's one I think you'll find can do the job fine. And again, it's free and pretty straight forward and easy to use. Irfanview:
http://www.irfanview.com/
For others needing different programs, here's another one I recently ran across, and like real well. FastStone:
http://www.faststone.org/
Good luck, and hope these help.