Then you have to go here for some free templates. The best thing (besides being free!) is that they are easy to use and the possibilities are endless!! There are letter sized ones, 12x12, and now 4x6! You can turn them and resize them...and I am in love with them. I have one being published in Scrapbooks Etc. in February! I used the new 4x6 one for my Christmas card.
You can fill the template with photos, paper (digital and real), embellishments...I could go on and on! Seriously, you have to check it out and directions are there to help you too! I have PSE but they have them for PS too! This is a great way to make a quick and easy layout and it can be all digital or hybrid. How sweet is that!! Once you try it you will be hooked!!