It's always nice to come across free stuff. Smashing Apps has a list of the most useful ready-to-use design templates. These include photoshop brushes, fonts, icons, and HTML templates. Use them and modify to your liking.
|Cute Free Twitter Graphics||10+ Free Grunge Style Rust Textures|
The free XHTML / CSS templates have a good design to them. Definately worth checking out and keeping on-hand.
Useless: The median expected salary for a typical Designer I - Web in the United States is $50,725.
Head on over to Smashing Apps for the full list, but here are some of them.
6 Free PSD/(X)HTML-Templates
500+ Watercolor Brushes for Photoshop
40 (NEW) High-quality and Free Icon Sets