There are quick kits you can get, where you just add the pic to the page. Very easy to do. For the papers, it depends what you want to do. If you want to preserve them so they will last until your grandchildren can see them, then putting them into a magnetic photo album where you pull up the plastic sheet and the page is sticky, these are not acid free and will cause your papers to yellow and deteriorate faster. So will mounting them onto construction paper. When using stuff on your scrapbook pages, you want to make sure it is acid-free. Be aware, that some plastics, while still acid-free, have gases that are released and potentially harmful to your pictures.
How much money you spend depends on how long you want your work to last. If you don't mind if it yellows, than use whatever products you like the look of. If you want it to last for your grandchildren, then make sure you use quality products. And look around in your area for scrapbooking groups. I have a friend who equates scrapbooking to quilting bees. We talk, solve the world problems, share ideas, and have real fellowship with other women. As someone already suggested, go to creativememories.com, they have a consultant locator. You can find consultants in your area who are active in their business, and they will have crops and workshops you can attend. Some don't mind if you bring outside products, so you may want to ask. Have fun and enjoy!