Zone Draw is a vector graphics editor although it also works on Bitmap format. It is not difficult to use, in fact it can be used by anyone and it includes some templates to make easier the usual tasks.
Create your own greeting cards, the calendar for your children, add some effects to your photos, decorate them with cliparts,...
When you finish your creations you can choose the format you will save them as, including the universal PDF format.
Of course, if you decide to print it, you have a broad range of options for printing, including dynamically generated documents and calendars.