Anna Aspnes:
MonthReview Template No 20 - http://www.oscraps.com/shop/product.php?productid=44856
ArtsyKardz Lifes Little - http://www.oscraps.com/shop/product.php?productid=33656&page=1
4x6 ArtsyKardz Lifes Little - http://www.oscraps.com/shop/product.php?productid=33654&page=1
ArtPlay Palette Lifes Little - http://www.oscraps.com/shop/product.php?productid=33615
JazzedUp LoopDaLoop No. 2 - http://www.oscraps.com/shop/product.php?productid=33022&page=1

Process:
Started with MonthReview Template No 20
Placed ArtPlay Palette Life's Little Papers as Backgrounds
Clipped my photos to the clipping masks
Clipped ArtsyKardz to the remaining empty clipping masks
Placed Transfers & LoopDaLoop
Finished with brushes, elements, & wordart