I received an e-card recently & like the range on offer @ £6.25 per year & send as many as you want from:
http://www.jacquielawson.com/default.asp
Not DIY software but you might be tempted. Plenty of 'doggy' ones!
For DIY cards I use Photoshop Elements to position the photos & keep the template on file. Different photos can be dropped in as required. I print onto A5 centre creased cards IMAJET INKtelligent 2 Side Coated Satin-Matt.