This top page is 100% a pre-made template. I'm editing to add that I recieved an email from a blog reader letting me know that I wrote "you mean the work to me" instead of "you mean the world to me" Freudian slip maybe? Thankfully, I hadn't sent this page to be printed yet :) and, since it's digital, I can fix it in a snap.
These snow pages are almost exactly like the templates. I added a photo box and some more snowflakes, but that's it.
I don't know why I resisted using the premade templates for so long! they are cute and best of all, already done! If you would like to learn about Stampin' Up's digital scrapbooking program (its great for so much more too!) please feel free to contact me!