All of the Scrapbooking sites have templates for calendars and collages. You just "paste into" the blank areas. Here's an example of the July freebies from one of the sites. (sorry, can't remember which one!).
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Odark30
Nikon D700, D300, D200 D60 Bag full of Glass, SB900, SB800, SB-R200, PSCS4, Lightroom 2, MacBook Pro, iMac, MacAir 
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