Anna Aspnes Designs:
Holiday Template Pack No 3B - http://www.oscraps.com/shop/product.php?productid=45875&page=1
ArtPlay Palette Christmas Tree - http://www.oscraps.com/shop/product.php?productid=32407&page=1
ArtPlay Palette Holly - http://www.oscraps.com/shop/product.php?productid=45935&cat=383&page=1
ArtsyKardz Christmas Tree - http://www.oscraps.com/shop/product.php?productid=32435&page=1
Process:
Started with Template 6 from Holiday Template Pack No 3A
Clipped my photos to the clipping masks
Clipped ArtsyKardz Christmas Tree to the remaining clipping masks
Placed ArtPlay Palette Holly Paper as background & added transfers
Finished by placing elements & text