I've printed the topper directly onto kraft card - I've used one of the Christmas download collections from Polkadoodles. The stripy card behind is from a Graze box which I've recycled and ribbons are from my stash.
I've cut the main panel with an X Cut fancy die and then added a dotted line of gold 3d paint around the edge.
Good luck with the challenge! I'd like to enter the following: