There's a company in Birmingham called Framecraft (they are online) which supply stuff for stitchers. They sell key rings and other things for stitchers to put bits of stitching in, I think they'd be suitable for putting in your photos, they also supply lots of other things that could easily fit pictures in. As for the cutting up of the photos - could you approach one of those shops that supply passport photos and ask if you could borrow one of their cutters for a short time explaining what you want to use it for, they might help