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The FASTEST way to do this is to make a pattern. Don't panic, it's easy
First, don't crop your photo, you need the extra space: you'll crop it afterwards.
Then, create a square image with transparent background, roughly the size of the block you want. Select>All or Ctrl-A, then Edit>Stroke and choose White, 5-10 pixels, and Inside: OK. Then Edit>Define Pattern and name it.
Then on your photo go to Layer>New Fill>Pattern. Choose the new pattern you just created from the bottom of the drop down list in the dialog that pops up. Then resize it as needed. You can reposition the pattern by putting the cursor over the image with the dialog still open and see the Move cursor: just click and drag the pattern to move it around.
Finally, add a layer style>Inner Shadow to make the photos look on top, or a Drop Shadow to make the grid look on top. Up to you.
Then crop the image so your white lines are at the edge of the image (sometimes when you resize the pattern, it won't be neatly at the edge of the photo).
This will help you make patterns and Pattern Fill layers that are SO SO SOOOOOO useful! Plus, drawing all those lines on the grid is really tedious: use View>Gride then View>Snap to Grid. You CAN do that, but once you define your pattern, you can make lots of mosaic layouts with just a few clicks and have the spacing perfect EVERY time!
Let us know how this works for you!
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