I have such a hard time with multiple photo layouts so I'm so thankful to the designers who make templates to make it easier. :O)

Supplies: All Designer Digitals
Lynn Grieveson:
Big Shot Album Templates
Iced Kit
January Kit
Katie Pertiet:
Fine Line Border Lines Brushes and Stamps No.10
Winter Peony Kit
Snowy Overlays No. 01
Simple Classics: Traveler Kit
Posted Words: Winter Value Pack
Pattie Knox:
Snowy Christmas Kit