The Paper Variety is also having a Christmas in July Challenge. You can find them here: http://thepapervariety.blogspot.com/. I needed to scrapbook Kaylee's Christmas card from last year. This is the end of my Christmas layouts and I am now caught up with all of last years scrapbooking.
For this layout, I used the Graphic 45 Santa Paper for my background. I loved how this paper looked, so I didn't want to cover the details up too much. I cut a black frame for the photo out of textured cardstock. Finally, I used A Child's Year Cricut cartridge to cut the silhouette for the bottom of the layout.