The easiest way for new template makers to make one is to take a layout that you like and grayscale each layer. Delete text and personal info too. Use the magic wand to highlight each layer and then color fill it with a gray or whatever color you want. Make sure to save it with a new file name. For the "delete" layer, you don't have to have one, but if you want one, just make a text layer and type "photo" and "text" wherever you wish them to be.
Here is an easy tutorial:
http://mistycatodesigns.blogspot.com...om-layout.html