I downloaded Picassa and made a collage. It was super easy and came out really cute. I then uploaded it as one picture to Kodak gallery and had cards printed from there. I don't post pictures of my family on here, but you should look into picassa, it is a google product and it is free. It will also tag your photos with the name of the people in them.
Re: Share your Holiday Card photo...
I used picassa last year to make our cards. I haven't gotten around to this years yet.