http://antiochcompany.cachefly.net/video/2009/02/09003_CM_Its_a_digital_life_FINALa.wmv
Just found this great 10 minute video that explains Creative Memories' digital scrapbooking software. It can do so much; it is amazing! Cut and paste the above link to watch it. Creative Memories has many free predesigned pages to download where you just drag and drop your pictures to make a digital book. This is how I made my first two digital books. No cost until you are ready to print your book.
Then I decided that I wanted to create a little more and I invested in Storybook Creator 3.0. I still start with the predesigned pages, but I add embellishments to make them more fussy! My favorite sets are Celebration and Elementary School.