If anyone has an A.C. Moore store nearby, I picked up a few pretty fancy precut mats. They'll fit an 8x10 into an 11x17 frame, with a small window under the photo for a nameplate or maybe a cut auto.
Best of all, they were on sale for $1 each. I think full price was $5-6.
They're fancy enough that I couldn't cut one for that little even at minimum wage.
Don't bother with the Woburn Mass store--They're out of stock
Steve B