I've done some research to see how creative people make digital scrapbook pages (I made my own from scratch). The image below is a packaged deal - you can purchase all the "design elements" shown (each image is already cutout and separate) for between $4 - $7. Then you can arange the elements with a photo program like Adobe Elements or Paint Pro Shop. And then you can add your family photos.
There are hundreds of pages on the internet. Do a search on "digital scrapbook pages" and you will see for yourself. Three semi-random examples follow. (I picked ones that I especially liked, but show different ways of approaching the page.)