I haven't posted a freebie in, oh... about a hundred years, so here's one :) Not much, but they could be fun to play with. These are layered templates (sorry PSP-users).
(If you have not used templates before, it's very easy. You can either flood-fill each layer in whatever color you wish, or you can drag a paper on top of the layer you want, then go to layers > create clipping mask (or control+alt+g). Viola!