Problem solved:
I use templates for greeting cards but found that the position of the photo was different when I tested it on plain paper rather than on the glossy or matte photo papers.
So testing the layout on cheap plain paper was not working.
I looked at my settings and realised I had “borderless” set for the photo papers. When I tried to set borderless for plain paper it wasn’t allowed.
The template position is different with borderless.
This means that I must uncheck borderless when using photo papers if I want to use plain paper for testing. (or use waste photo paper for testing and keep borderless checked)
I hate to think how many sheets of paper I used to test the above.
Hope it helps someone.