Although it's not my style, it seems that Nordic themed cards are 'in' this year. I reused a Christmas card from last year in the top card and added backing paper and a little wooden girl with a felt hat to the gingerbread house.
The bottom card is using the free heart shaped die from Cardmaking & Papercraft Magazine and layered it against yellow coregated card and Papermanias 12 days of Christmas paper from last year