I started off with this simple "Joy" stencil from Dreamweavers and dry embossed it with a stylus and light box.
The gold cardstock accepted the embossing beautifully! I left the stenciled image unadorned, though looking at it now I might go back and put some tiny red crystals on the holly berries. The cardstocks are textured red and forest green. Then simple plaid ribbon bows. I could make cards like this all day!
Thank you, ladies of Bah! Humbug! , for the inspiration! For more inspiration be sure to visit their blog -- you'll be pulling out your dusty old stencils, too!