I don't think it's too early to make christmas card cuz I have a couple to make. So, I'm playing along with the
clean and simple challenge and
365 challenge.
For the clean & simple challenge, here is the sketch to follow:

I find my card is a little bit weird actually, especially in the picture. Maybe i should add some gold glitter around the tag to make it more prominent.
For 365 challenge, it's to make a minimum of 3 layers on the card. The flower background is #1, the ribbon makes background #2, the tag #3 and the cut-out flower on the top right hand corner is #4.