Of course, the reason why you would like your memories to be mounted to a scrapbook instead of a photo album, is because you would like it to be special as much as possible. When you create a scrapbook of your own, you do not have limitations in adding as much creativity as you want, unlike photo albums, you are entailed to use only the spaces that are allotted for pictures. And since photo albums are ready made, it's difficult to make a personal touch for your own preference.
Save Time _ Sure, you could make your own web sites and headers if you have the graphic design skills, the software, and the time. However, you may find your time better spent on developing and marketing your web site. What is your time worth? Even if you have the know_how and the right software, do you really want to spend your time on this time_consuming task? You would have a better chance of making money if you get your site online faster, and put more time and energy into marketing your site. Save Money _ Hiring a designer would save you time but can be expensive _ especially when you are creating multiple web sites. For about the same price you would pay to get one designer_made graphic, you could get a whole collection of quality, pre_made templates.