Credits:

Lady Bugs: by Danielle Young for O'Scraps.
Paper:'Casuals' by Taylormade for O'Scraps.
Stitching: "Stitched Frames #2" by K Pertiet for Designer Digitals.
3 Ribbons: Life 365 from Weeds & Wildflowers.
Text Path: 'Shape it Up! by Happy Scrap Girl Designs for Scrap Matters.
Word Art: by Susan Savant Designs for Scrap Addict.