My Layout is created with Oscraps products
Anna Aspnes "Yuletide"
photos used with permission: ©Simone Bänsch -

I started with Artsy Paper. The paper offers many design options. I put a mask on my photo and placed the 2nd and 3rd photos and added frames. For the word art, I added some words and letters in different colors and placed it in the upper area. Then I added some elements as decoration.