Starting with a 12 x 12 page, I selected a couple of the transfers from APP Merry Tree. I then selected the frame from the palette and placed it in the middle of the two transfers that I had placed on the left- and right-hand side of the page.

I then clipped my image to the grey stain within the frame, by placing my image on a new layer and then selecting layer create clipping mask.

Once I had the main image set created, I then started with embellishments I used brushes and overlays from the palette, and wording from ChristmasWordART10 and then on a new layer selected an overlay from EvergreenEdgeOverlays11 and placed it above all the layers.

Each embellishment was placed on their own layer and then moved around to the spot I wanted them placed.


Supplies
AASPN_ArtPlayMerryTree_Frame
AASPN_ArtPlayMerryTree_Transfer5
AASPN_ArtPlayMerryTree_Transfer4
AASPN_ArtPlayMerryTree_Overlay2
AASPN_ArtPlayMerryTree_Brush2
AASPN_ArtPlayMerryTree_WordTransfer
AASPN_ChristmasWordART10_3
AASPN_EvergreenEdgeOverlays11_4