I can help with the photo hosting fees!
Go to this website:
Tiny Pic Photo hosting
You can upload digital photos of your product from your own PC and they will then instantly provide the URL and the HTML tag that you can copy and paste right into your listing. With very little HTML know-how, you can size your listing photos to whatever size you need when creating your listing.
And it's all FREE!!! No registration, no cost, no hassle. It is very cool. Try it out by posting a pic from your PC on FR. Here's one that is on mine that I just posted on Tiny Pic. It takes only seconds to do it.
I think ebay has a block or something where it won't let you post from other sites. I know they give my daughter 2 free pics then its so much for each one after that.