The photo mats are cut from the Accent Essentials at 4 1/8" from blue cardstock. I inked around the edges with VersaMagic Aegean Blue.
From a scrap of red cardstock I punched the Swirling Lace. To finish off I used a piece of blue pom pom ribbon and Stampin' Up 1/2" ribbon stitched poly.
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Disclosure: I am not affiliated with any of the products mentioned.
Paper: Pattern Paper: DCWV Holiday Collection - The Christmas Stack; Cardstock Scraps in Blue, red and off white.
Punches: Stampin' Up - Ornament Punch, Two Step Bird Punch; Martha Stewart - Swirling Lace edge punch
Ribbon: Stampin' Up - Stitched Poly 1/2" - Pear Pizzaz for binding and inside, scrap of white lace for front, scraps of blue pom pom for inside.
Ink: VersaMagic Aegean Blue
Cricut Cartridge: Accent Essentials
Misc.: Adhesive, pop up dots, designer tape, chipboard