I have a new "friend"....Photoshop Actions! Oh my goodness did I have fun today. This is my first experience with Actions and I am realy enjoying it. I downloaded a bunch of them from http://www.atncentral.com/download.htm#Frames .
Hope this link works for you. So at this stage I am still playing around. As soon as I know a bit more I will do a basic tutorial for you.
You can get frames, a heritage look. sepia, bright colours - oh the list goes on. The best of all is tons of free Actionson the Internet. So, I am going to have serious fun this weekend playing around with my photos. Have a great weekend.