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 [url=https://www.oscraps.com/shop/ArtPlay-Palette-Winter-Sunrise.html]APPWinterSunrise[/url]
ArtsyTransfer Winter Sunrise_2,4 [url=https://www.oscraps.com/shop/ArtsyTransfers-Winter-Sunrise.html]ATWinterSunrise[/url]
Snow FotoBlendz No. 2_2 [url=https://www.oscraps.com/shop/Snowy-Fotoblendz-No.-2.html]SnowFotoBlendz[/url]
Winter WordART No. 3_10 [url=https://www.oscraps.com/shop/Winter-WordART-No.-3.html]WinterWordARTNo3[/url]
Spackle Textured No. 4_8 [url=https://www.oscraps.com/shop/Spackle-Textured-No.-4.html]SpackleTexturedNo4[/url]

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