The layout shown is one I probably found in a Creative Memories Idea Book. I needed some way to use up a bunch of little stickers. I also like how the whole page is filled and it's a montage of photos from my oldest daughter's childhood.
Before scrapbooking merchandise became so plentiful, I started out using pens in what I thought were clever ways. The above shows cute, simple borders that anyone can do with a Zig pen from the craft shop.
Here's a sample I did to show how simply you can decorate a page. If you don't like to draw, you can use micro stickers in the same way.
Here are two ways I like to dress up my handwriting. You'll notice that all of the vowels are lower-case but the same size as the upper-case.
By adding little slashes at the end of each letter, you have a different look for your handwriting. I also like the little fish in waves drawings.
The line-dot-line-dot is easy to do with a straight-edge.
All of these examples were drawn free-hand but you can use a light board found at scrapbook supply stores to trace anything you want.
Click below for more finishing touches from Scrapbook Page Design and Layout Ideas, Vol. VII, p. 39: