layouts can apply to cards or scrapbook pages, and can make or break the design.
I SUCK at layouts!! (which is why I CASE everything!! - I will branch out on my own one day, honestly I wil! ;) )
Anyway... if you (think you) suck at layouts too, then there are a HEAP of places to go for inspiration.
Check out the following sites for their sketch challenges or ideas.
makeesha's inkspirations challenge
sweet sunday sketch challenge
clean and simple fall to layouts
that's just for starters! check them out and see what you can come up with :)