Hats off to “ceo” from the Organized Scrapbooks forum. She created a personal version of page templates, not unlike the Pages by Design templates you see in some of the scrapbook stores. The link below goes to the forum where she explains how she created her templates for around $20.
http://organizedscrapbooks.com/ftopicp-2163.html
Check it out, especially if you’ve been thinking about using templates to help with your page design.
Here’s Using Your Noggin’