This is a great simple layout by Cathy Palmer.  The single photo is offset by torn patterned papers is deceptively simple yet looks great.  I love how she journaled on the ornament embellishment.  This would be a great layout to scraplift – even if you don’t make a holiday layout.    All you need is 1 piece of cardstock, some patterned paper scraps, 1 photo and a piece of ribbon.