Does anyone know how to create subtitles for my home movies, without having to spend a fortune to do it?

For example, if I have a mpeg2 file which is already MUX'ed with a SPU, will it then burn using Ulead MovieFactory?

If it will author, then are there any programs which people are aware of which will accept this kind of MUXing? (ie not just audio and video)

If the above two steps are possible then the subpicture encoding should be simple as I have already written a decoder, which took about 3 days, so encoding to a stream should be no problem.

Cheers

Jim