A major perk of the internet is the wealth of sites that offer tools that you can use at no cost! For folks who have photographs that are a bit on the drab side or would like to play with, consider BeFunky, a website that allows you to add artistic elements to your photographs.
If making your photos cool(er) isn't enough, BeFunky recently added editing tools! Here are a couple samples I used with BeFunky's Photo Effects on a black & white photo I took in Denton, TX.
Here is the original: