Oscraps
ArtPlay Remembrancer_NewYear
A bit of a random start to the year, blanketed in rain. Had to start somewhere 
- Credits list
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ArtPlay Palette Remembrancer
Remembrancer FotoBlendz
Memories Word Art Mix No 2
MultiMedia Remembrancer
Artsy Transfers Remembrancer
Wood Shop Alpha No 1
Anna Aspnes New Year WordArt (free from Oscraps newsletter)
Rain Overlay free image from Raw Pixel
Remembrancer Bonus, available with Remembrancer Collection
This is based on one of the suggested layouts that comes with the Remembrancer Bonus Collection, using Artsy Paper No 2, FotoBlendz No 2, with the MultiMedia placed on the left.
The rain overlay was duplicated 4 times and is placed over all but some of the titles.