Check out the tuts on our "Resources" page (go to the top green line on this page, click on "Tutorials" under "Resources", then see the PSP tuts there. The one on using a layered template should answer some of your questions. There's also a "Just for Beginners" Forum you might want to check out,
here. And, Debra teaches PSP classes each month, and you can read the description of them in the store, under GoDigital classes.