I got the format for this ready earlier in the week making a layout as part of my Ct commitment, for that I used older snow photos and have put in todays photos for my PL layout.
credits
Nibbles Skribbles Winters Morning collection
https://www.digitalscrapbookingstudi...8e667ad4b90da1
fonts are Segoe Print and Snap ITC
the cluster frame comes in the bundle. The word tab has been made using papers and elements and alpha from the bundle