Credits:
ArtPlay Palette Yule by Anna Aspnes http://www.oscraps.com/shop/ArtPlay-Palette-Yule.html
Christmas Trees No 2 by Anna Aspnes http://www.oscraps.com/shop/Christmas-Trees-No.-2.html
Holiday WordART Mix No 4 by Anna Aspnes http://www.oscraps.com/shop/Holiday-WordART-Mix-No.-4.html
MultiMedia Holiday No 1 by Anna Aspnes http://www.oscraps.com/shop/MultiMedia-Holiday-No.-1.html

Process: I started with a solid paper from ArtPlay Palette Yule and then placed three transfers, two overlays and some brushes from the same APP above it. I added the photo and the blend mode was set to Luminosity. I added a mask and erased parts of it. I did the same with the transfers and brushes. A tree was placed on the right side. I placed two wordTransfers from Holiday WordART Mix No 4 on the same side and changed the blend modes to Color Burn. Then I added embellishments from MultiMedia Holiday No 1 and from ArtPlay Palette Yule. I finished the layout with the title from Holiday WordART Mix No 4.