Great question! I don't create a template for myself unless I have a specific idea and the photos need to be a certain size. I make probably half my pages without a template, and I just wing it. Sometimes I'll open a photo, resize it how I like, and then instead of cropping, I'll create a layer underneath, draw a rectangle, shadow that, and then clip my pic to it. For ellies, I just wing that too.
Occasionally if I really love my page, I'll save it and then turn it into a template quickly, but nothing fancy.
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