I use Photoshop for customization. It's a little more advanced than your average PhotoEditing software that comes with cameras or something, but it's nice because you can do your own things.
There are also some that have frames. All you have to do is click on it and it
ll put cute frames around your pictures.
Here's a picture editor and it's completely free! This one has filters and photo effects that you can use.
http://www.download.com/StudioLine-P...-10401594.html