Hi Wendy,
I use both Photoshop and Paint Shop Pro. You mentioned Paint Shop Pro in your other post. Paint Shop Pro is an excellent program, and much cheaper! In fact, it does some things much easier than Photoshop, and for someone interested in doing scrapbooking like you mentioned, it should be all that you need. Learning the programs can be a little daunting, but if you just have fun with it, and not worry about the results for a while, you will be amazed at how much you learn. If you have any specific questions, please let me know, and I will do my best to answer them.
By the way, it is the Flash program that allows you to turn the pages. Flash is another excellent program to learn if you want to have some real exciting content on your web pages. Of course, you have to really want to get into learning computer stuff if you want to learn Flash. I think the correct term would be "computer geek!" If someone calls me that, I take it as a complement!
If you look in the Artella Shops, Zura, a wonderful member of Artellaland, has a digital art e-book for sale that you might like. Zura does some beautiful digital collages. Many of them have been in the Artella zine, and she is very talented.
I bet with some practice, your work will be great, too! Just start out simple, and keep on going.