Visit shabby princess and choose and download your paper which will be the back ground of your Christmas card. Don't worry about the color of the paper, that can be changed later. For this example I'm using Urban Kiwi.
In your photo editing program of choice (I'll be using CS5) open up your background paper and then crop it down to the desired size; I'm using 4x5 about the size of a post card. Then turn it black and white.
Select the entire 4x5 image using the rectangular marque tool, then right click and select new layer, then right click again and select fill, then white (or color if you'd like a different color). Say Ok, it should turn the image white.
Now, select the layer titled "layer 1" and move the opacity down to 65%. Then right click any layer and select flatten image.
Open up any image you'd like to use, then click image, image size (at the top left of the screen). Then reduce it to about 1000 pixels wide, say OK.
Now, set it so you're able to see both images. On the photo you've decided to use click the background layer, then drag it to the card background. Then use "control t" to drag it around, make it smaller, etc.
Using your rectangular marque tool make a box, select new layer, then fill, then color and choose whatever color you want. Say OK.
deviantart.com is great for finding embellishments. All you do is type Christmas brushes into the search box at the top, then download whichever brushes you want and save them in a folder on your desktop. Here is a screen shot to help you with loading your downloaded brushes:
I decided to use a snowflake brush and here is the end product:
So there you have it, a thrifty and unique spin on the tradition of giving out Christmas cards! I just want to remind everyone that shabby princess papers are for personal use only, not for resale.