Templates do make life so much easier!

WaterColor Template Album No 2 *coming soon*
APP Infatuated http://www.oscraps.com/shop/ArtPlay-Palette-Infatuated.html
ArtPlay Mini Palette 4You
AT Tinge http://www.oscraps.com/shop/ArtsyTransfers-Tinge.html
APP Behold http://www.oscraps.com/shop/ArtPlay-Palette-Behold.html
MM Hearts No 2 http://www.oscraps.com/shop/MultiMedia-Hearts-No.-2.html
AT Love Letters http://www.oscraps.com/shop/ArtsyTransfers-Love-Letters.html

I opened the templates and clipped photos to some of the masks and MM Hearts in some of the others clipping a neutral paper under the hearts as a background for them. I used a Color Overlay on some of the stains and turned off others. I added transfers around the pages and deleted some of the text boxes to suit me.