With the new Photoshop programs, it isn't really as difficult as it once was to insert images. While the full blown Photoshop program is very expensive, Photoshop Elements is quite reasonably priced and is easy to use to manipulate images. There are video tutorials that show you how to create the effects.
I have an older edition of the full Photoshop program but have since started using Elements because it is much less expensive to upgrade.
plaegried is about as good as you can get when it comes to using the program.
But you can certainly accomplish the simple stuff with Photoshop Elements and it doesn't cost as much as a Mercedes to purchase.