All designs by Anna Aspnes Designs:

Artplay Palette Spring Due (papers,button,leaf,3 brushes) link
2 transfers from Artplay Palette Go Retro link
word art: Spring WordART No. 1 link
element: MultiMedia Branches No. 3 link
clipping mask:WaterColor FotoBlendz No.2 (on right side) link
Fotoglow: RetroGlows No.1 link
LoopDaLoop: Flowers LoopDaLoop No.1 (on right side) link
Template: FotoInspired DoubleTemplate No. 32a link
2 frames
Torn FotoFrames No.2 link
ScriptTease Adventure Frames No.1 link
Brush: SkribbleSun No. 1 link
Stitching: UrbanStitchez No. 5 link
Other:
ArtPlay Palette Winter Wonderland (transfer) link
Fonts: Brush Script Std, CK Alis Hand

Process
The first thing I did was to look at the required word art to get an idea for my layout.Then I placed the photos, redoing the template as needed. I put the fotoglow behind the word art and changed the color a little and used blend mode vivid light.
On the right side I reversed the backgroud and changed the color of the Fotoblendz before clipping the photo to it.