Photoshop :: Designing A Postcard Info Required

This problem will probably be very simple for a lot of you. Unfortunately, I'm not as adept at Photoshop as I should, or would like to be.

I want to design a postcard for my business, using several photos in a scattered arrangement on the card, with my business name on.

I'm using Elements 5 and have played around with the "create a greeting card" function. It comes close to what I want to do, but it does seem rather basic. As Photoshop always seems have more than one way of doing something, I was wondering if there is more effective way of going about it, buried in Elements somewhere. Or perhaps there is another, (preferably cheap) program that is better at this. One thing I would like to do is to change the background colour on the card and not have to rely on the background templates offered in the special effects palette. Ultimately, I will be getting them professionally printed, so I will need to supply the printer with the art work in the appropriate form.