Here's a freebie that I made for you today. I made a circular mat and sliced it up into sections, so that I could fill the sections with different papers. In the center, I wanted to be able to put a photograph.
By using the clipping mask in PS, you can easily attach your papers and/or photos to the sections. I have included a finished one to give you an idea of how it can look.
Also, in the download, I have included a Style that I made and used on each filled section to make them "pop". Just click on the template to get the download. The template is in .psd format with each section being on a separate layer.
I hope you enjoy it and find it useful with your scrapbooking layouts.