ArtPlay Palette Magoa https://www.oscraps.com/shop/ArtPlay-Palette-Magoa.html On Sale
Love WordART Mix No. 3 https://www.oscraps.com/shop/Love-WordART-Mix-No.-3.html On Sale
MultiMedia Hearts No. 4 https://www.oscraps.com/shop/MultiMedia-Hearts-No.-4.html On Sale
FramedMasks No. 5 https://www.oscraps.com/shop/FramedMasks-No.-5.html On Sale

Inspiration - The beautiful scene across the street from me of ice-covered trees and the flag flying
Start - New Document.
Papers - I added both Solid Paper 5 and then 3 to the background applying Blend Mode Divide to Paper 3.
Mask/Photos - I placed the FramedMask5.1 on the page. I attached the photo to the photomask using Edit>Create Clipping Mask. The other layers of the mask I added color with Edit>Fill and applied a Blend Mode to some.
Transfer/Overlay - I added Transfer 4 to the lower right corner and Overlay 1 to the upper left corner.
MultiMedia - I moved MultiMediaHeart4.4 to my page above the photo but I took the Glow Layer and moved it below the mask layer and also more to the right.
Elements -I added the Red Leaves over Overlay 1. I added LoveWordArtMix 3.ST1 in the left-hand corner up against Overlay 1. I used Cltr I to invert the color to white.
Title - Used the WordArtMix3 for the title.