I layered two borders onto the background then layered the matted image on top of it - and then to get one more layer I added some pearls!
I would like to enter my card into these challenges:
Di's Digi Downloads - Layer It Up
Penny's Paper Crafty - Anything Goes
I have used a paper and two borders from a paper pad by Kaisercraft called "Sandy Toes". The image is from Di's Digi Downloads and is coloured with copic markers. Matting is blue cardstock. I also added some pearls and some gems from Sullivans.