This ladder challenge has really sparked my mojo!

Anna Aspnes
Artsy Layered Template 161 link
ArtPlay Palette Et Voila link
Layered Edge Overlays 1 link
MultiMedia Bicycles 1 link
Life WordArt 7 link
ArtPlay Palette Wander (brad) link

Process
Opened the template and hid all the layers apart from the frames/masks. (I like to get the background right first.)
Added my artsy paper to the background. I replaced the green with blue to suit the photos.
Clipped my photos to the masks and moved one slightly to reveal more of the photo underneath.
Turned on the paint/texture layers one by one, keeping some and deleting others. Moved one or two. Filled some with colour.
Placed the bicycles, brad and word art and added my journaling and edge overlay.

TFL!