1st take your square card and trim off 3 cm from the open end, glue sides to make a pocket. (I put an offcut alond to mask it so as not to glue too much).
Then decorate the front with embossed card (I used Swiss dots and then a 'Love' stamp from Cuttlebug).
Cut a tag from white card 11cm wide by 12cm long, trim off the corners and punch a hole on the centre (I found I needed to reinforce the hole on the back).
Then cut 3 more pieces of white card, each 11 cm wide and then 1x 3,5cm long; 1x 4.5 cm; and 1x 5.5 cm- these are then trimmed with a lace doily punch from Martha Stewart as shown.
Layer the 3 pieces :- Glue middle one flat onto longest one, then attach short one with 3d pads, keeping the top of all 3 level to give a layered effect. Then attach to card after gluing a decorative panel of your choice.