Artsy Layered Template 280 https://www.oscraps.com/shop/Artsy-Layered-Template-No.-280.html
Rejoice Artplay Palette https://www.oscraps.com/shop/ArtPlay-Palette-Rejoice.html
Holiday WordART mix #9 https://www.oscraps.com/shop/Holiday-WordART-Mix-No.-9.html

Photoshop Elements 14

Trying to keep up with the First Christmas for New Grandbaby photos.... I opened up the template, blending in the big photo with inverted masking. After filling the template frames with my photos, I built a snowy village scene by stacking a transfer from the Artplay Palette over Artsy Paper #1. WordArt and embellishments completed this layout.