I adore the stacked paper in Maya's kit and used it as a starting background. On top of that I placed an overlay using one of Veronica's Damask overlays blending it into the background. On top of that I added a rectangle of the wood paper to act as a photo mat.
I gave the photo the effect of snow by clipping it to a piece of lace from Foxeysquirrel. The photo mat edges were too straight so I used a second piece of lace as a mask and cut out the photo edges. This gave me the ragged edge to the photo as well as the wood paper.
The final step was to create the cluster.
All of the products used are in the Featured Product section of the store.