I've organised a challenge over at KBandFriends - and wanted to share this layout here because I just LOOOOOOVE the Christmas Tree by Ann Marie. It's just great!

Credits -
background - Janna Billman (KBandFriends) Red Hot backgrounds
tree - Ann Marie (Pickleberry Pop) BYO Xmas Tree
tree decorations - Carol Baumann (KBandFriends) Grandma's Glitter
star - Jennifer Schmitt (KBandFriends) The Foyer
speech bubbles - Kelly Sauvage (KBandFriends) Talk Bubbles
gifts are each made of Decoration
Treasure Jen Us Torn Layered Cardboard Sampler (KBandFriends)
Ribbon Janna Billmans Ribbon Bits #3 (KBandFriends)
fonts - LDJ Kris Kringle, Calvin and Hobbes, CK Love Life

Thanks for looking.