I started with PhotoShop element and am now using PSCS2 - which I LOVE!

There are plenty of places online where you can download 'freebie' and various designers offer them on their blogs or through the sites they sell at.

I used to be a designer at a couple of stores, it's quite easy to design all your own papers and elements with any of the Photoshop suite programs too.

Hope you find something you like!