There are a ton of great templates in Google Docs, but earlier this year Google changed the way we access them. See this short Google post for more info.
The new way is to open up a blank Doc, presentation, etc... and then from the file menu, select New then From Template. I guess this works, but it does not make sense to me. (Create a doc first then select "from template" seems backwards!)
If you add the Drive Template Gallery chrome app, it then adds that selection directly to your create menu in Google Drive. <------------ In my opinion, this is a MUST HAVE app!
Here at Norris, we have a lot of templates for budgets, letterheads, etc... found in the document template section, under our nsdtitans.org domain.
Take some time exploring templates that are in the gallery. You will find some that are good, bad, and maybe ugly... but there are some definite Gems in the group too!