Every month there is a christmas challenge at Digistamps4joy where you are given a free image to play with on request and you make a card and link it up - http://digistamps4joy-sa.blogspot.com/2014/03/monthly-christmas-challenge-march-2014.html.
Here is my card using the image and a digipaper and snowflakes punch. A very simple quick card.
The only embellishments are rhinestones and lace along with gel pen to write over the letters to give some gloss. As I said a quick quick card.
If you haven't already do go the site and request the image and play. You can get ahead on those christmas cards you make this year.