Products:
Artsy Layered Template No 215: http://www.oscraps.com/shop/Artsy-Layered-Template-No.-215.html
Brimming Artplay Palette: http://www.oscraps.com/shop/ArtPlay-Palette-Brimming.html
Christmas Magic No. 2: http://www.oscraps.com/shop/Christmas-Magic-No.-2.html
Holiday WordART Mix No. 1: http://www.oscraps.com/shop/Holiday-WordART-Mix-No.-1.html
12x12 Page FotoBlendz No. 9: http://www.oscraps.com/shop/12-X-12-Page-FotoBlendz-No.-9.html

Process:
I rotated the template to suit my photos and clipped them to the masks and a paint layer. I dragged in transfers and overlays, duplicating and rotating some, clipping the striped paper to others, and using various blending modes. I recolored the stains to match the photos, positioned the little calendar from Christmas Magic No. 2, and then I wrote the story. After adding embellishments, including the nifty Beaded Threadz that comes in the Holiday WordART Mix, I pulled in a 12x12 page FotoBlendz right above my background paper layer and clipped a solid-colored paper to that for just a little more ooomph in texture and color.