Minka–I love the “Stay Clever” page.
I don’t want to discourage you from buying graphics from different sites–there are lots of really nice things for sale. However, there are also lots of free things available as well. PixelScrapper has been mentioned a few times. You can download a limited number of items each day for free. Scrapgirls has a free item on both Tuesday and Friday–it’s always on the last page of “What’s New”. My Memories.com has free items to download. There is a french site that has free layout templates, papers and elements: look for le blog de loulou31. And there are more sites, I’m sure. I started digital scrapbooking just about this time last year and I’ve collected a lot of digital supplies, some I’ve paid for, many for free.