Cutest Blog on the Block is making Christmas cards!
I love this site for their backgrounds, but they are now making Christmas card templates available at a nominal fee ($15 per design).
If you sign up for a free photo-hosting site (photobucket, kodak, etc.) they are offering your first 20-50 photos printed for free! So if you combine the two offers you could get your customized Christmas cards (up to 50) for $15.