I used two of Connie Prince's templates from her White Space vol 26. I used #1 and #2. I also used Just Because Studios kit Falling Leaves
Katherine, great photos of the first snow and I like how you combined two templates to create your page - nicely done
Whoot! Kudos to you for being debt-free! Sometimes it seems a daunting task to stick with the plan but- wow - so worth the effort in the long run.