I was given a Hallmark programme for my PC last year so I can make my own personalized greetings cards which is brilliant. The special paper and envelopes were part of the gift too so I haven't spent a penny (no not That spent a penny!), except on general xmas cards, in the last year.
There are plenty of stock cards in the programme so you only have to add a name and print it or you can take more time and insert photos, make your own verse etc.
Everyone who has received one feels very special. I have recently picked up some sheets of cheap stickers (flowers, butterflies, balloons etc) to decorate them even more....... where will it end?