If you have PhotoShop, don't believe it would make any difference which system you use. Here are the instructions on how to do it.
1. Select the photo then make a duplicate copy (command in the Layers pull-down)
2. Using the polygon tool, or whichever tool you want to use, select the area to be cut away.
3. Inverse the image (Select/inverse)
4. While still in Select, copy image to clipboard. (Ctrl "C" on IBM CMD "C" on MAC) or use the Edit pull down
and select copy.
5. Still in the "Select mode",Open a NEW document. In the window select Transparent background.
6. Create a new layer. Paste the photo. Now you see the photo with the cutout showing.
7. Select "Image/canvas size". In the width/height, type in how large you want the frame. I found .5 inch is
good for me.
8. You should now have a blank frame around the photo. Next pick the color you want the frame to be and use
the paint bucket to fill it in. Crop to taste.
9. Your photo should look something like this.
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10. flatten image and add your favorite frame to it. You're done.
Three Scores and 14 years old and still going strong.