Carefree newsletter freebie by JB Studio (for spring)

Summer by Keley Designs

Autumn Bliss by Gingerbread Ladies

Winter Wonderland 2 by Gingerbread Ladies

extra elements: 

frame: Valentine Freebee by Clever monkey graphics 

camera: Life is a Journey by Gingerbread Ladies

font: Yeah Papa

I've edited the photos in Photoshop and applied a photo filter with color on spring, black & white with selective recoloring on summer, sepia on autumn and nothing on winter!