Image of choice.
I've used ©Oren Kramek
you can purchase from http://www.mypsptubes.com
Scrap Kit is Joyful Tidings
It's by Mirella and you can get it from
Template 93 is by Ali
Open Ali's template
go to windows,duplicate and close the orginal one
Delete the copyright layer
and add a layer flood fill white and move to the bottom
Now working your way from the bottom raster 6,
paste a paper of choice from the kit,
invert and delete.
And delete raster 6.
do the same for raster 1
Be sure to delete the orginal.
On raster 8,flood fill with color of choice,
Raster 2,click with magic wand,open paper of choice from kit,
paste as a new layer,invert and delete,
Delete raster 2
Do the same for the christmas tree layer.
Flood fill christmas tree outline with color of choice
Raster 4 flood fill with color of choice,
Add your image,and other elements,
I added a bow,and the penguin to mine.
Add your name,copyrights,delete the white background
merge visible,and save .png