ArtPlay Palette Auriferous (AP2, Overlay3, Transfers3, 5
ArchiTextures 6 brush
Artsy Transfers Hygge 1
ArtPlay Palette Verdure (lace)
ArtPlay Palette Artsy (frame with APP Hygge SP4 clipped) available in the Learn Value Pack No 1
ArtPlay Palette Ambages (Frame C)
MultiMedia Melancholy (hat)
ArtPlay Palette Breath (charm/twill) available in the Moments Value Pack No 1
ArtPlay Palette Radiant (angel charm/string) available in the Summer Value Pack No 3
MultiMedia Documents 5-2 (torn paper)
MultiMedia Holidays 3-5, sub OS Cozy Christmas red flower
ArtPlay Palette Twinkle (paper texture 1)
Oscrap Collab Mingle Jingle (red stars, idgie)
Paper Textures 16-8
MultiMedia Magic Sprinklez 3-4 (some layers turned off)
Hygge WordArt Mix 1 (wood word, word art 6)
Photo credits: cats and house, DeviantArt; Rat – internet

The cats photo was masked with brushes, placed inside the frame. The house photo was also masked with brushes, blend mode Darken, duplicated w/ PS Stylize/Find Edges/blend mode Vivid Light; placed within the large frame. Then I just started playing around with the arrangement and placing all the other elements, MultiMedia, sprinklez, paper textures, transfers, overlays, brush, bling, etc. Finished with word art.