This card started with the cut file of all the overlapping circles. It's a file I created myself based on another one that I saw. I cut circles from patterned paper to layer behind some of the circles. The ornament was stamped and cut out and the text was stamped directly on one circle and gold embossed. I added the frame to patterned paper with a musical motif and then adhered it to the card front. I embellished with a bit of glitter pen, a gold bow and faux jewels.
Notice how many of this year's Christmas cards used kraft paper? It coordinated nicely with a pack of patterned paper that I found at Hobby Lobby. Nice to have a starting point.