Go to CropMom at http://www.cropmom.com.
Register and upload your photos. Click Get Started, and choose either a template or new layout. If you make a layout from scratch, you might want to choose the 5" by 7" size for a greeting card.
Drag and drop your photo onto the canvas .When the photo is selected, you can rotate it, resize it and do some photo editing, such s change it to black and white or sepia tone.
In the lower left side, choose a Kit. Home for the Holidays and Oh What Fun It Is are the Christmas-themed kits. Drag and drop the embellishments and papers onto the canvas. You can change the order by selecting the element or photo and clicking move backward or move forward repeatedly until it is on the layer of your choice.
Add your own text.
Click save. Go to the My CropMom page and open your layout.
Now you can: download the low-resolution, screen-quality layout for free for use on the web or for emailing to friends; you can click share to have the layout e-mailed to a friend; or you can purchase the layout as a high-resolution JPEG that is of high print quality so you can print it at home or have it printed by a photofinisher.