I used PSP X6 to create this tag but any other version will work.
Beautiful scrap kit by Drea's Creations named Winter by the Lake
Fabulous art of Arthur Crowe. You need a license to use his work and you can get both HERE
FTU Font Mussica Swash
Mask is by Rachel HERE
Photo Effects - Film and Filters
Dont forget your drop shadows
HERE WE GO!