Process:

I started with an artsy paper from ArtPlay Palette Surfs Up. I added a transfer from and it was placed to the right side of the layout. Some layers were deleted. Then I placed a frame from RippedPaper No 1 and clipped my photo to it. A brush from Surfs Up No 1 was placed to the left side and here I also added embelliishments from ArtPlay Palette Surfs Up and Beach WordART Mix No 3. The wood word Beach, wordart and wordtransfer come also from Beach WordART Mix No 3. I finished the layout with a brush from ArtPlay Palette Surfs Up which was recolored into a redbrown tone.