What is the initial process and how do you get your hands on WordPress in order to create your own website templates? You will need to go to WordPress.org and download a version in the language of your choice. You then extract the zip folder into the root of your site, and you will see tons of files pop up. Don't worry about opening those or going into them as what you need to work with will be significantly small. Then go to yoursite.com/wp_admin/ and you will go through the simple installation process which is basically just WordPress hooking itself up to a database which it creates in your server in order to work. That's all there is then you can start rolling.
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.