Backing papers from Papermania. Image is another gift tag from Costco and I've tied the ribbon into a bow at the top. Used a Martha Stewart corner punch on the mat and used the punch out snowflakes in the corner. Card is finished with some ruffle ribbon and a sentiment from my stash.
Bah! Humbug! - here come the girls
Ribbon Carousel - 2 or more ribbons
Little Darlings - ruffles or pleats
CBGM - anything that flies
Creative Card Crew - anything goes