the template route is definitely the fastest way to make money while you learn. but instead of waiting around on upwork for someone to hire a beginner, just find local businesses on instagram with terrible graphics. redesign one of their recent posts, dm it to them, and say you can do a weeks worth of content for fifty bucks. most will ignore you but a few will always bite. its way easier to sell a finished product than a service when you dont have a portfolio yet.