For the one word challenge with Rae

here

Anna Aspnes_ArtPlay Palette Heartland
here
WaterColor FotoBlendz No. 6
here

Process: I started with the background, clipped my picture to the clipping mask. Then i placed the frame, and erased a part of it where the transfer comes near the picture. I placed a few transfers over and under the picture. I added a texture and gave it a light color. Add a overlay and placed the heart and wordart.

Thanks for looking !