Hi Susan. Are you asking about including your OWN photos or those from a canned program? If you own a digital camera, and can take your own exercise photos, then the easiest (and most cost-effective) way would be to simply download the photos to your computer and then insert them into your own Word document. You can then add your own instructions/notes. I use this method in things like my newsletter and it works great.
I hope that this helps.