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I design everything myself, because I like to know exactly what I'm working with, but template sites are incredibly useful for coming up with ideas myself. When I need to come up with a design and my idea is looking kind of generic, or too similar to something I've done in the past, I'll check out template sites for ideas, or design sites like Zen Garden or Smashing Magazine. Smashing Magazine is probably my favorite out of all of those, though. They've got lots of general, technical, and "theory" articles on design.
Template Monster templates have saved me hundreds of hours. They have so many options I just browse and purchase then customize. I end up making so many changes the site looks nothing like the original template.
There are a variety of new Templates for web design so mostly use templates because designing a site is a long process and demands lot of time.But I prefer doing custom designing as you can make your site according to your own style.Also templates are being used by many designers nowadays so there is no uniqueness in using templates.