I was putting this challenge off thinking it was a tough one but this has been the quickest for me so far! And I love the concept of putting a real ornament on the card!
The little snowman is part of a pack of miniature ornaments by "A Tree for Me" from HL. They are flat-backed, so the adhere easily to the card! The recipient can remove the snowman and use it as a decoration or ornament for themselves! I love that!
The blue card base is actually totally sparkly CS from DCWV Glittered Winter Card Stack. I used Nestibilities to make the window and the ribbon is Michael's Holiday Bow-Tique. Super easy peasy!