I know - Christmas cards in September!! I've found though that if you make a few every now and then when you feel inspired that come December you'll have a nice pile of cards and you won't feel swamped.
Papers and element - All Bundled Up, Heather Roselli (Sweet Shoppe Designs)
Ribbon - May Arts
Zig Millenium black pen
Snowman tag - source unknown (but if anyone knows the manufacturer please do tell)
