If you like digital papers, or want to learn how to create your own digital papers (or elements) using Photoshop or Photoshop Elements, there is a site I found a few days ago.... explained all about it on my blog. It's called Pixel Scrapper. I don't want to explain everything again here, (you can read about the site either on my blog or at the site itself) But they have digital papers and elements, AND the overlays and templates to make your own. There are even quick tutorials on how to do different things to create your own using Photoshop or Photoshop Elements. They also have some using Paint Shop Pro, but I haven't checked those out yet, so not sure what all they have there.
As I said, I have more information about the site on my blog.. if you are interested, and I have a link to the site in my blog as well. Since I found the site, I have been playing with Photoshop non stop... after looking at a few of the tutorials, I know how to do the things I have been wanting to learn how to do for ages.