Using scrapbooking templates can be a real time saver for those of us who spend a lot of time trying to create the right embellishments to go with our themed layouts. With templates, a lot of the work is already done for you. All you have to do is prepare them and arrange them in their right places on your layout, then attach them and you're done! You can use templates for cropping and designing your photos, layouts, and also help a lot in visualizing where your embellishments should go.
One option that many people don't think about is to use an article template. An article template gives you a general idea and then you have to insert the topic using the idea they suggest. For example an idea would be Methods for Saving X and a topic would be Methods for Saving Money. With most templates you will have the ability to do at least two articles from it until you can come up with more topics. The two articles would be a positive and negative or upside and downside. There are a number of places you can visit for article templates. Some of them supply free templates while others charge a fee for them. You'll want to do a Google search to see what you can find and use for your articles.