Anna Aspnes Designs:
FotoInspired DoubleTemplate No 24 - http://www.oscraps.com/shop/product.php?productid=44492&cat=383&page=1
ArtsyKardz Sea Life - http://www.oscraps.com/shop/product.php?productid=44466&cat=383&page=1
4 X 6 ArtsyKardz Sea Life - http://www.oscraps.com/shop/product.php?productid=44464&cat=383&page=1
6 X 6 ArtsyKardz Sea Life - http://www.oscraps.com/shop/product.php?productid=44465&cat=383&page=1
ArtPlay Palette Sea Life - http://www.oscraps.com/shop/product.php?productid=44332&cat=383&page=1
Stained SkribbleSummer No. 1 - http://www.oscraps.com/shop/product.php?productid=44331&cat=383&page=1
SeaSprinklez No. 1 - http://www.oscraps.com/shop/product.php?productid=44330&cat=383&page=1
Life WordART No. 6 - http://www.oscraps.com/shop/product.php?productid=44241&cat=383&page=1
UrbanStitchez 5 - http://www.oscraps.com/shop/product.php?productid=43929&page=1
52 Weeks NumberSet No 1 - http://www.oscraps.com/shop/product.php?productid=32617&page=1

Process:
Started with FotoInspired DoubleTemplate No. 24 - Rotated to fit well with my pictures
Placed ArtPlay Sea Life Papers as Backgrounds
Clipped my photos to the clipping masks
Clipped ArtsyKardz to the remaining empty clipping masks
Placed Transfers
Finished with brushes, elements, stitching & wordart