I highly recommend using free templates when you're putting together a new website or blog. It's easier to adapt an existing template then creating your own, especially if you don't feel very confident about html or css.
I recently wrote about one free template resource site - I think it's the web's best kept secret. You'll find out all about it in my new article:
Some of these free templates do need some tweaking. For instance, you might want to change the headers to reflect the headline for your blog or website. Or you might want to change the color scheme. But that's easily done by changing a few things in your css stylesheet.
So don't be afraid to use free templates if you're stumped putting together your next website or blog!