Here is my entry. It's not fancy, but I am still very much learning. I used the overlays from Piggy Scrap. In fact, I used two! This is my very first 12x12 one. I have a long! way to go learning how to make frames.
Here is the link, I hope: (still not sure on that part)
As this is my first challenge (Jan), I still have a few more to make. This is fun, and it makes me do stuff and learn as I go, too!