Credits:
ANNA ASPNES DESIGNS
**NEW ON SALE 8 Jan 2020**
aA Classic Collection Winter Sunrise
ArtPlay Palette Winter Sunrise_Transfer2,4;Overlay3;BeadsC;Bow;Snowflake APPWinterSunrise
ArtsyTransfer Winter Sunrise_2,4 ATWinterSunrise
Snow FotoBlendz No. 2_2 SnowFotoBlendz
Winter WordART No. 3_10 WinterWordARTNo3
Spackle Textured No. 4_8 SpackleTexturedNo4

Process:
You have opened a new document. Placed by Transfers. Modified some layers (disabled, duplicated, opacity set). | Added PhotoBlendz, cut photo to layer. Duplicated and edited photo Filter Filter> Distort> Ocean Ripple. | Added decorations (Transfer, Overlay, BeadsC, Brush, Bow, Snowflake, and Spackle Textured). | Added WA. Changed the color of "love" and "winter" to blue.

I do not speak English. Im using Google Translator - sorry! I will answer your question!
Margo