Digital BW, The Print

Hello,
I am relatively new to digital photography and have a dumb question. 
I would like to take a digital (color) image and print it as a b & w.
 How is this accomplished?  I have a Fuji FinePix 3800, 3.2 mg pixels
camera. 

Is this accomplished thru software?  If so, what product?  I don't
have adobe photoshop.  Is there something relatively cheap (s/w
package) that could be downloaded or shareware that accomplishes this
easily?

P.S. I have a HP 7350 Photojet printer that I am very happy with to
print these out on.  

Any and all advice appreciated!

Thanks in advance,
Cara