So many options out there, but I think these are easiest.
Create a blog, myspace or facebook. You can set privacy options so that only specific people can view, download or upload.
Do you have a place you upload your photos? For example, I'm a gmail user and have an associated Picasa Web account (photo storage). I also have a "blogspot" blog where I can associate my Picasa photos with a story and invite others to see.
P.S. No HTML skills needed for any of above, no cash required.