Anna Aspnes:
MonthReview Template No 18 - http://www.oscraps.com/shop/product.php?productid=44144&cat=383&page=1
4x6 ArtsyKardz Serenity - http://www.oscraps.com/shop/product.php?productid=44121&cat=383&page=1
4x6 ArtsyKardz Go See - http://www.oscraps.com/shop/product.php?productid=44115&cat=383&page=1
ArtPlayPaletteSerenity - http://www.oscraps.com/shop/product.php?productid=44068&cat=383&page=1
UrbanStitchez6 - http://www.oscraps.com/shop/product.php?productid=44066&cat=383&page=1
Summer WordART No. 2 - http://www.oscraps.com/shop/product.php?productid=43950&cat=383&page=1
ArtPlay Palette Crazy Life - http://www.oscraps.com/shop/product.php?productid=29597&page=1

Process:
Started with MonthReview Template No 18
Placed ArtPlay Palette Crazy Life Papers as Backgrounds
Clipped my photos to the clipping masks
Placed Transfers
Clipped ArtsyKardz to the remaining empty clipping masks
Finished with brushes, elements, stitching & wordart