Credits:
ArtPlay Palette Love Story ArtPlay Palette Love Story by Anna Aspnes
MultiMedia Hearts No 1 MultiMedia Hearts No 1 by Anna Aspnes
Love WordART No 5 Love WordART No 5 by Anna Aspnes
ArtPlay Palette Merry Tree ArtPlay Palette Merry Tree by Anna Aspnes

Process: I started with two copies of the background paper and used the blend mode Color Burn for both to get it darker. I added an overlay at the left side to get a touch of green behind the photo. I did two copies and changed the blend mode to Hue and the second one to Saturation. I also added a brush recolored to white. I placed a transfer on the right side and used the blend mode Linear Burn and a copy was set to Hue. I did two copies of the photo and changed the blend mode to Color Burn. The second one with a low opacity. I placed a frame over it. I then added some paints, splatters, title, date and embellishments. Some of the paints, embellishments and splatters on the right side were set to blend mode Multiply to get darker colors.