Of the three neutral cardstock sheets, choose the middle tone for the background and leave this 12x12. Cut one of the patterned papers to 10x10 and attach to the centre of the background.
Border punch a strip of cardstock from the other colour.
Repeat this six times: three strips in the light colour and three strips in the dark colour. Use any border punch you want, but the same border on each strip.
Adhere the bottom border strip so it is flush at both edges of the background cardstock and straight across the page. Place it roughly 4" from the bottom of the page.
Take the opposite colour and move the punched design slightly to offset it. Some punches will look great offset, others will look better perfectly in line, so have a look and see what's best. If you end up with a gap lining them up, leave that gap on the left side of the page so you have a clean edge on the right.
Repeat with all six border strips. Oooh, pretty!
Add a strip of tulle netting above all the punched strips. Adhere just at the bottom, which will be covered. (If you don't have tulle, look for other sheer items in your stash, including vellum and other ribbon/fabric items.)
Cover the join with a length of washi tape (or a border sticker if you prefer).
Cut a 5x7 piece of paper from the remaining pattern. Adhere this on the left side of the page, covering up any messy edges from the punched strips.
At this point decide how many photos you want to include. You will need one block of paper for every one or two photos, depending on if you want photos on both sides or just one. Cut these blocks to 4.75x6.75 (though exact measurement is not needed).
(continues in next post!)