Anna Aspnes Designs:
Artsy Layered Template No. 131 - http://www.oscraps.com/shop/product.php?productid=46593&cat=383&page=2
ArtPlay Palette Loved - http://www.oscraps.com/shop/product.php?productid=46471&cat=383&page=2
4 X 6 ArtsyKardz Loved - http://www.oscraps.com/shop/product.php?productid=46525&cat=383&page=2
6 X 6 ArtsyKardz Loved - http://www.oscraps.com/shop/product.php?productid=46524&cat=383&page=2
Love WordART No. 4 - http://www.oscraps.com/shop/product.php?productid=46460&cat=383&page=2
LoopDaLoop Arrows No. 1 - http://www.oscraps.com/shop/product.php?productid=27858&page=1
ScriptTease Love No. 2 - http://www.oscraps.com/shop/product.php?productid=29367&page=1
UrbanStitchez No. 5 - http://www.oscraps.com/shop/product.php?productid=43929&page=1

Process:
Started with ArtsyLayered Template No. 131
Clipped my photos to the clipping masks
Clipped ArtsyKardz Loved to remaining clipping mask
Replaced several layers with ArtPlay Palette Loved Paper as background & added transfers
Added WordARt, Stitching & LoopDaLoop
Replace textbox with ScriptTease Love
Finished by placing APP Loved elements