My husband and his mother around 59 years ago!

I started off with the template and then positioned a transfer in place behind the small photographs, put the photograph on top then used inverted masking to reveal parts of the photograph while allowing the transfer to bleed through. I then played around with layering transfers changing a couple to colour mode to give the slight pink tone. I turned the top frame vertically and increased in size slightly, the other frames are pieces of artsy paper. lastly I added word art a selection of elements and stitches from Urban stitches 9.

Artsy Layered Template No. 207
http://www.oscraps.com/shop/Artsy-Layered-Template-No.-207.html
Summer's End WordART No. 1
http://www.oscraps.com/shop/Summer-s-End-WordART-No.-1.html
ArtPlay Palette Summer's End
http://www.oscraps.com/shop/ArtPlay-Palette-Summer-s-End.html