No One has mentioned IrfanView yet, but it is the photo and graphics editor that I us4e along with MS Paint. IrfanView is free, but if you like it, it is a courtesy to send the author a small gift, but it is not a requirement.

As far as doing the whole bulletin, there are several open source office products that can be used. "sourceforge,", a reliable repository for projects developing and maintaining free a software, has gathered a list with short reviews of the best open-source officeware available.
https://sourceforge.net/directory/office-suites/windows/

I have personally tried and used Apache Open Office, Libre Office, and Google Docs and recommend any of these. If you look around carefully, you might be able to get the web forms of MS Office for free, too.

Just look carefully at any supposed free officeware to make sure you are not buying an annual subscription that you did not want. --Richard

I used WordPerfect (word processing program) to prepare our church's bulletins, calendars, newsletters, etc., for about 25 years. A good word processing program allows you to import images and place them where you want in a document. Word processors also let you convert your file to PDF so that they can be read across platforms. We wound up e-mailing our newsletters to members and printed a limited number of copies for members who did not have e-mail and for shut-ins. I recommend WordPerfect because you buy the program (with other apps in the bundle) unlike MicroSoft which licenses the product (and I think requires a yearly renewal fee, like PhotoShop).