Viva Artistry | Epicurious Kit
Palvinka Designs | Christmas Story Paints and WA
Et Designs | White Cold Day Clipping Mask Pack
https://www.oscraps.com/shop/Epicurious-Kit.html
https://www.oscraps.com/shop/Christmas-Story-Paints-and-WA.html
https://www.oscraps.com/shop/White-Cold-Day-cm-by-et-designs.html
I merged a color fill layer overtop of the mask and then clipped the middle photo to it. I added a white stroke frame around the other two photos and added some element clusters.