OK, I totally scraplifted this layout from Ali Edwards. I hope she doesn't mind. :)
I did not purchase her digital kit because I have no idea how to USE digital kits (someone, teach me, PLEASE!) So, I recreated, as best I could, the elements in PowerPoint. I'd also like to learn how to put digital frames around my photos. Here, I used some rub ons, but I didn't have enough to completely frame the picture. Ah well, I made do.