Shel Belle Scraps has created this set of 4 great templates titled Cozy Templates. I had a lot of fun playing with them. Here is a preview of the templates linked to her store at STS.
Here are some pages I created. The first is using Shel Belle Scraps Harvest Memories kit.
The next page is using Shel Belle Scraps Take A Hike kit.
The final page is using many different pieces from the Countdown To Christmas kits created by the designers of STS.