Credits:
4 X 6 ArtsyKardz Home by Anna Aspnes http://www.oscraps.com/shop/4-X-6-ArtsyKardz-Home.html
Home WordART No. 1 http://www.oscraps.com/shop/Home-WordART-No.-1.html
FotoBlendz Clipping Mask ValuePack No. 1 http://www.oscraps.com/shop/FotoBlendz-Clipping-Mask-ValuePack-No.-1.html
ArtPlay Palette Home by Anna Aspnes http://www.oscraps.com/shop/ArtPlay-Palette-Home.html
ArtPlay Palette Together by Anna Aspnes http://www.oscraps.com/shop/ArtPlay-Palette-Together.html

Process: I started with an artsy paper from ArtPlay Palette Together. I added a FotoBlendz from FotoBlendz Clipping Mask ValuePack No. 1 and over this an ArtsyKardz from 4 X 6 ArtsyKardz Home. I then added the photo and clipped it to this. I also placed an ArtsyKardz and a transfer from ArtPlay Palette Home above the photo. Then I changed the blend modes for all these layers. When the edit on the photo was in place, I added transfers, brushes and splatters from ArtPlay Palette Home. I finished the page with the wordART from Home WordART No. 1