Anna Aspnes Designs:
FotoInspired Double Template No 32 - http://www.oscraps.com/shop/product.php?productid=45099&cat=383&page=1ArtsyKardz Time - http://www.oscraps.com/shop/product.php?productid=45102&cat=383&page=1
4x6 ArtsyKardz Time - http://www.oscraps.com/shop/product.php?productid=45099&cat=383&page=1
6x6 ArtsyKardz Time - http://www.oscraps.com/shop/product.php?productid=45100&cat=383&page=1
FineEdge Frames No. 3 - http://www.oscraps.com/shop/product.php?productid=45098&cat=383&page=1
ArtPlay Palette Time http://www.oscraps.com/shop/product.php?productid=45089
AroundTheClock No. 1 http://www.oscraps.com/shop/product.php?productid=45070&cat=383&page=1
Time WordART No. 3 http://www.oscraps.com/shop/product.php?productid=45069&cat=383&page=1
ArtsyGrams No. 1 - http://www.oscraps.com/shop/product.php?productid=45088&cat=383&page=1

Process:
Started with FotoInspired Double Template No. 32
Clipped my photos to the clipping masks
Clipped ArtsyKardz Time to the remaining empty clipping masks
Placed APP Time Papers as Backgrounds
Placed Transfers above background papers
Placed ArtsyGram, clipped my photo & added text
Placed FineEdge Frames to select photos
Placed Time WordART & Re-colored
Finished with Around the Clock Brushes & APP Time elements