1.How do I make post layouts? It depends on what kind you want! You can use simple coding(color, bold, alignments, etc), and you can use that as well as graphics, or just graphics. There are all sorts of layouts, and many ways to make them.
2.does it require actual money?Actual.. as in real life money? No. Gaia gold? Most times, yes. You CAN find free shops, though.
3nodding 3.If it costs money, then will someone make one for me?You can check out the
personalized graphics forum for a shop. Some shops are cheap, but some are really pricey. Just look for something you like. :3
4.When I have the post layout, is it a kind of code I must copy and paste into the box for it to appear? You need it in each post so it shows up. But, as Kira said, you can use the Tektek Toolbar. It's free, no viruses, and I use it. It doesn't work with all browsers, though. But if you use Mozilla, it works wonderfully(it may work for IE, too, and Safari.. I'm not sure. It, however, doesn't work with Chrome)