I was making a scrap page for our family book and I decided to make it into a layered PSD file so you can snag it if you wish. Just add your own photos, papers, text and elements and you have yourself a nice page!!
To use-Open the PSD in Photoshop
chose the papers you want and place your paper on top of the "background" layer
and then either select "create a clipping mask" or hit CTRL+ALT+G
Same for photos, pick the one you want and place the picture on TOP of the photo mask layer you wish to use. Resize your pic to fit how you'd like and again, create a clipping mask and your picture will become the same shape.
You do this for all parts of the template. Then you can place elements from your favorite kit!
Here is the one I made, to show an example.