ecp your favorite image as new layer
invert on frame, delete out excess of picture
I added a cute puppy wearing a santa hat
and placed on bottom of the frame.
DBS_Berries02, place along right side of frame
open DBS_Gift08 resize by 80%,and arrange on your tag as you like.
merge visible, add new layer,fill with a paper of choice.
load a x-mas from mask of choice,I used one from Vix's PsP.
and add your name and save.