Ok I cheated a little on this card. Well, depending on how look at it. The image is from 'My Digital Studio' Which come preloaded with Stampin' Up! sets and uploading more really are pretty inexpensive. If you would like to purchase a 'My digital studio' please visit my store.
I printed the picture first, then stamped the snowflakes. I am sorry but I don't remember where the snowflakes came from. I am sure you have laying around. The phrase is stamped using "four the holidays"