Anna Aspnes:
Artsy Layered Template No. 148 - http://www.oscraps.com/shop/product.php?productid=10009077
ArtPlay Palette Beach - http://www.oscraps.com/shop/product.php?productid=10009081&cat=383&page=1
Beach WordART No.1 - http://www.oscraps.com/shop/product.php?productid=10009080&cat=383&page=1
JazzedUp LoopDaLoop No. 3 - http://www.oscraps.com/shop/product.php?productid=44675&page=1

Process:
Started with an Artsy Layered Template No. 148
Placed Artsy Paper from ArtPlay Beach as my Background, duplicated and applied the multiply blending mode
Clipped my photos & an Artsy Paper to the clipping masks
Added transfers above my photos and applied the darker color blending mode
Placed Beach WordART , added color and a stroke style
Finished with JazzedUp LoopDaLoop, ArtPlay Palette Beach Brushes and Elements