Photos and graphics (http://www.dryicons.com has great, free images)
Scissors or cutting board
Loose leaf ring (I found mine here)
Arrange photos and graphics 4-up on an 8.5 x 11 inch sized document. Print graphics on one side of the cardstock, and photos on the other side. Cut into 4.25 x 5.5 inch fourths. Punch hole in top corner and fasten with ring binder.
You're welcome to use my graphic files, below.