Scrapbooking

Does anyone do digital scrapbooking? I am looking to switch over but I don't know what programs people use. I am really into embellishments and all that jazz so smilebox and shutterfly don't really do it for me unless I'm missing something! I have been told to use Photo Shop Elements?! Also do any of you actually print off the pages you do and if so from where? Help!!!! Oh yeah... I don't want to sped my life's savings either!