For £80, Photoshop Elements is not a bad buy at all. Especially when you can apply effects such as rain instantly
Go to Expert mode in Photoshop Elements 11 and click on the Effects button at the foot the interface.
Click on the Style tab and filter the options by Image Effects. Locate the Rain effect from the arrangement of boxes that appear down the side, and double-click on it to apply a realistic rain effect to your image.