Digital scrapbooking is possibly one of the most cost-effective ways of preserving your memories. Searching around on the web, you can find several awesome free downloads for doing your own pages. My favorite site with (I think) the best free downloads is Shabby Princess:
Here's a little page I made in my pathetic Adobe Photoshop Elements 2.0 program. Yes, you read that right. 2.0! I can't wait to get a newer version! It's a .jpeg image formatted to be 12x12 inches at 300 dpi. To lift this image, just right click it and click on the "save image as", then save it. Use it in PhotoShop or whatever other image editing software you have to create your own designs.
If you do take it, let me know! Feel free to use this for any of your digital scrapping needs. If you ever do use it in something or submit it to a magazine or whatever, I'd love for you to credit my blog. Otherwise, feel free to use it however you want, even as part of your designs to sell, if you do that.