At walmart.com you can order a variety of prints, uploaded from your home computer. 4x6 inch photos cost 9 cents.  Wallets come in pairs.  A pair of wallets, printed on a 4x6 inch piece of photo paper cost 54 cents.  Why do they cost so much more?  Because the employee is expected to cut your wallets apart for you.  Which they never do (in my experience with several labs).  But even if they did, I think 46 cents to cut a piece of paper in half in excessive.

I made collages of my photos in Picassa, uploaded them and ordered 4x6 inch prints.  I saved $5.00.

I'm filling one of those frames that has space for one wallet photo for every month of Spud's first year.  I am also filling in Little's baby frame.  Better late than never.