If you are just starting out in the world of Digital Scrapbooking, the Digital Scrapbook Artist 2 software by Serif is worth considering. The software cost in relation to others of its kind is not only comparable but I also feel better due to the extra free content you can add. When I purchased the software I opted for the full version ($40) as I had no owned the previous Version 1. If you do already own Version 1, you can upgrade for only $20 through their website.
When I opened the package there also was a certificate for $15 off "digital kits" that were for sale on their website that I could use. The software loaded quickly. I was able to log on to their site and access approximately 15 FREE digital kits that I could add to the program library. Then I used the $15 certificate to buy 3 more digital kits, out of easily 100 options.
One of the selling points on this program is that not only is the software easy to use (point, click and drag) but that purchasing digital kits is inexpensive $5 or less. Images in their kits are 300dpi high quality, includes built-in photo editing, and more.