Credits:
ArtPlay Palette Tinselry https://www.oscraps.com/shop/ArtPlay-Palette-Tinselry.html
Holiday WordART Mix No 13 https://www.oscraps.com/shop/Holiday-WordART-Mix-No.-13.html

Process: I started with an artsy paper from ArtPlay Palette Tinselry. I added a gold transfer and clipped the photo to it. Then I placed a lot of brushes with a various of blending modes and colors. A wordtransfer from Holiday WordART Mix No 13 was duplicated and set to blending mode Multiply. I also used a lot of adjustment layers for colors and lights. A wordart and the word Merry from Holiday WordART Mix No 13 were placed. After merging all layers I used a filter for a look of HDR.