Reviews say GIMP -- GNU Image Manipulation Program -- is an excellent free alternative to Photoshop that offers far more advanced features than another free program, Google Picasa. Reviews encompass various generations of The GIMP.

If you're willing to learn some HTML and sacrifice some convenience, reviews recommend the Evrsoft First Page HTML editor as more convenient than most free website software. It lets you see the results of your code as you edit it, and includes spell checking and a quick browser preview. Lots of scripts are included too.

Free for non-commercial use. The best FTP client on the market.