I have a script I run in the Finder with a keyboard shortcut from [FastScripts][1] (<kbd>⇧</kbd><kbd>⌃</kbd><kbd>⌘</kbd><kbd>N</kbd>) that pops-up a pick-list of file templates (stored in a template folder).  To add new templates just place them in that folder.

Posted on StackExchange a few years ago: http://apple.stackexchange.com/questions/84309/how-to-create-a-text-file-in-a-folder/84387#84387

[![enter image description here][2]][2]

-ccs

  [1]: http://www.red-sweater.com/fastscripts/
  [2]: https://i.sstatic.net/vPUHd.jpg