ArtPlay Palette Hello Autumn by Anna Aspnes @ Oscraps * NEW *
http://www.oscraps.com/shop/product.php?productid=44987&cat=383&page=1
Artsy Layered Template No. 114 by Anna Aspnes @ Oscraps * NEW *
http://www.oscraps.com/shop/product.php?productid=44982&cat=383&page=1
PaintedLeaves No. 1 by Anna Aspnes @ Oscraps * NEW *
http://www.oscraps.com/shop/product.php?productid=44986&cat=383&page=1
Autumn WordART No.4 by Anna Aspnes @ Oscraps * NEW *
http://www.oscraps.com/shop/product.php?productid=44983&cat=383&page=1
UrbanThreadz No. 1 by Anna Aspnes @ Oscraps
http://www.oscraps.com/shop/product.php?productid=44821&page=1
ScriptTease Fall No. 2 by Anna Aspnes @ Oscraps
http://www.oscraps.com/shop/product.php?productid=28804&page=1
ScriptTease Fall Overlays No. 1 by Anna Aspnes @ Oscraps
http://www.oscraps.com/shop/product.php?productid=28012&page=1
MultiMedia Leaves No. 3 by Anna Aspnes @ Oscraps
http://www.oscraps.com/shop/product.php?productid=32004&page=1
Photo by Iwona Baldyga - www.iwonabaldyga.pl/blog
used with permission

Process
I started with Artsy Layered Template No. 114. Background is paper from APP Hello Autumn. Photo I clipped to frame mask and papers, overlays and transfers to various paints and textures.
Then I added Autumn WordART No. 4 and PaintedLeaves No. 1 (both recoloured).
Finally I placed elements from APP Hello Autumn, UrbanThreadz No. 1, ScriptTease Fall No. 2, ScriptTease Fall Overlays No. 1 and MultiMedia Leaves No. 3.