Thanks for all your support. I found Ali's template set in the sale and treated myself, changed my approach a little, and I think I am liking the result now. Style is different for me, but I like that the photos are the focus.

Credits ( for all three layouts, some products are not on all layouts)

Ali Edwards
December Daily Layered Templates
Holiday Word Art No2

Katie Pertiet
Numbered Fastners No 1
Holiday Trees No 12
Flourished Christmas Paper
Ornament Collection Number 1

Michelle Martin
Elion Kit
Just Ribbed No2

Thanks for looking