Love this color scheme, really suits the photo and make the blue jacket easy to see thru the snow Lovely clusters and the papers you chose for the flags make them look like cozy scarves.
"Minnesota, if you don't like the weather today, wait till tomorrow and it'll be a totally different season"
Very pretty layout! I love your frosty photos! I really like the word art, the scattered snowflakes, the pretty element clusters, and the papers you used for the background!