...anyone out there able to tell me how to separate uploaded photos on my Photo of the Day "page" into separate posts? When I add a photo I want it to look like a new post looks on my home page.
You have to actually create a category called "Photo of the Day" and then you create posts for each of your photos of the day and then publish those posts. Then you add the "photo of the day" category to your top navigation. When people click on the category, they get a listing of all of your "photo of the day" posts.
You cannot put "posts" on "pages."
If you do not want the photos of the day to appear in the main post list on your site's main page, then you can create a static front page for your site and create a new "blog" page to show all your posts, or you could create a category called "blog" and assign all non-photo of the day" posts to that category and put that category into your top navigation.