You know that white paper that comes in the sheet protectors when you buy them? Well, instead of throwing it away, use it! On this layout, I used it to not only matte my photos, I also kept a large piece of it showing to journal on. I used it to put my rub ons (the snowflakes and presents) down on and then cut them out to make embellies.
So the next time you pull out those white sheets of paper, don't throw it away, use it!