For the AnnaColor Challenge 01.13.2017-01.26.2017
here
ArtPlay Palette Sun Fun
here
ArtPlay Palette Sunkissed
here
ArtPlay Palette Shine
here
FotoBlendz Overlays No. 4
here

Process: I started by placing the backgroundpaper.
I clipped the picture to the clipping mask. Duplicated the picture and set the blendmodus on overlay.
I added some transfers and overlays, over and under the picture. Added the ribbon and wordart.

Thanks for looking !