I started with the Yuletide Artsy Layered Template and background paper, Yuletide Solid Paper 4. I overlaid with SRoberts Cardstock BlankCanvas paper 4 with blending mode Pin Light and opacity 25%.
I clipped my photo to the FotoBlendz of ArtPlay Palette Patience and Veranda. I added Yuletide Brushes 1 and 9, and Edge Overlay 2.
For the cluster, I used various elements from the Yuletide Collection plus Button Threadz1_4, Thread from MultiMedia Branches 18_1I, ArtPlay Palette Bountiful Green Button, ArtPlay Palette Joyeux LW BeMerry and Holiday WordART Mix7_WAFestivitiesBegin.
Font is Landscape.
Photo is mine which I enhanced using PS Neural Filter Landscape-Winter.