Just going to add a few more things, with digital layout you can resize your pages so you can make one at 12x12 inches for yourself and quickly and easily resize it to a 8x8 inches for gift ideas.
You can change colors of elements and paper to suit your needs and they can be used over and over and over 10,000 times if you want and they will never wear out and you will never run out! Ever try that with a pack of alphas and you always seem to run out of one letter faster then the others? This will never happen in digi land!
If you create a Layout and later see a spelling error or decide you don't what you just did, you can just "UNDO" it!! LOL Our favorite word in digital scrapbooking! We work in layers on our layouts just like you added items to a paper layout. Once you decide which program to use their are tutorials for beginner pages here also.
In the beginning we all thought that this would be a cheaper form of scrapbooking but for many of us it has led to newer computers, bigger and better cameras, nicer printers, scanners and software. So it's probably a close tie to which is really cheaper in the end. But at least you still have great hardware after you complete your pages!
Most of the commonly used programs have a 30 day free trial version available from their sites for you to download and try out. It could even be such a thing that your new computer will come with a program called PhotoShop Elements (comes with a lot of scanners, printers, cameras and such) Or it could even have Paint Shop Pro which also can come with those same types of devices.
I would pick either one of these two programs over Creative Memories.