Here's a side by side (okay top and bottom - lol) comparison of two versions. One with background and one not and one with sentiment layer and one not. The supplies lists are for both cards together. For individual notes and lists see the individual cards in the gallery or the post on my blog.
A stencil was created by die cutting a window sheet with the Big Shot and Tulipe Bigz die. Then using Dotto to adhere the stencil to Grid Paper I slipped the Cards Image layer under the Stencil and using a sponge dauber in circular motions applied ink directly to paper.
Stamps: Holiday Best hostess Level 1 2009 Holiday mini
Paper: Real Red & Natural White Cardstock
Ink: Real Red & Always Artichoke Classic inks, Real Red Marker
Accessories: Gold Brad, Real Red 5/8" Grosgrain Ribbon, Sponge Daubers, Big Shot Created Stencil with Tulipe Bigz die, Texturz Plate from Kit #4, Scallop Oval Punch
Techniques: Stencil
Difficulty (1-Easy 5-Advanced): On a scale of 1-5 probably a 2 only because of the finicky bits of the stencil you have to work with. Most beginners if they are patient can achieve this and feel good about it though their stencil work may be a bit off here and there.