Credits:
Winter ValuePack No. 2

ArtPlay Palette Winter Wonderland
ArtPlay Palette Chills
Snowy FotoBlendz No 1
ArtsyTransfers Chills
SpackleTextured No. 6
MultiMedia Snowmen No. 2
Winter WordART No. 2

Process I started with a solid paper from ArtPlay Palette Winter Wonderland, which was duplicated and set to blending mode Difference I placed a transfer from ArtsyTransfers Chills and clipped the photo (from Pixabay) to the transfers layers. A transfer from ArtPlay Palette Winter Wonderland was placed to the right side to light up the sky a bit and the snowflake comes from the same APP. At the left side I added a fotoblendz from Snowy FotoBlendz No 1 and the girl from ArtPlay Palette Chills. A texture from SpackleTextured No. 6 was placed to the right side of the photo and also transfers from ArtPlay Palette Chills and ArtPlay Palette Winter Wonderland. The most of the layers were duplicated and set to different blending modes to get more saturation and light. I finished the layout with the wordart from Winter WordART No. 2 and the snowman from MultiMedia Snowmen No. 2.