I use Photoshop Elements 2. Right now it is really inexpensive because Adobe is about to release the next version. I think that PSE3 is ~$100 for pre-orders and PSE2 is anywhere from $30 to $50. I like that I'm learning to use the scaled down version of Photoshop because someday I'll move up but I won't have to start of scratch. You can get a trial version of PSE2 from Adobe
http://www.adobe.com/products/tryado...jsp#product=40
I do print out some of my LOs. In theory I'll print them all out but I'm a little lazy about it at the moment.

I also post them on my personal website for friends and family to check out.
I do other crafts for the hands-on fun. I really love the how much better my layouts look on the computer versus hand scrapped.
HTH!