Inspiration – I looked at my pictures keyworded with Christmas and liked the one I used here.
Start – File>New 12x12 300.
Paper – I placed Artsy Paper 2 over the background.
Mask – Used Artsy transfer 1 for the mask aligning it with the print that matched it on the paper.
Photos – I placed the picture over the Transfer layer and attached it using Layer>Create Clipping Mask. I duplicated the photo with a Hard Mix blending mode and 34% opacity, duplicated that entry, and changed the blend mode to Vivid Light.
Transfer – Placed a word transfer to the left of the photo.
Elements – MM Holiday 2.5 was placed at the lower left corner of the photo.
Brush – Used Evergreen 2.8 below the title in green.
Words – the word art “All is calm All is bright” for a title.