I don't know if a full out UML is needed. But I do agree you should jot some stuff down on paper. Things like a list of the main nav links/pages, hurdles you think you may have problems with, and any unique ideas you might forget when writing the code. Depending on your comfort level, jotting down the steps you'd take to develop the site may be useful as well.
Templating: I hit the Creating a Template Parser Script tutorial and its a start. Although I find ob_start() and its band of functions to be sluggish. You really only want to use that function in case of emergencies (in my opinion). I'm sure there's are alternatives out there and if not, come see me.
I do recommend implementing some form of a templating system. Be it one you write or an off-the-shelf-one - although I think if you write it, you'll have a very intimate knowledge of how it works and will be able to better plan sites around your system. Templating will allow you to seperate the PHP code from the HTML which will help greatly when it comes time to troubleshoot the one or the other.
If you're doing database work, make sure you spend some time planning it out as well. Figure out what data you need to store, where you'll store it, and what tools you'll use to shuffle the data around in your PHP code.
As others mentioned, spend some time figuring out how to validate user data to ensure it doesn't muck up your site or server.
You might spend a little bit of time poking around established PHP projects and seeing how they handle security, database connectivity, and templating. Determine what you like and don't like about their approaches. Then figure out if you want to build your own incorporating your ideas or go with the solutions found in the projects.
Lastly, test, test, and test the new site. Then have other people test and test the site. Get feedback. Make changes. Test again. Of course, a simple site won't need much testing.
Good luck! Just remember to take it one step at a time and your project will turn out fine...