I made the main background by repeat stamping the sea shell over a square of blue card, using Versamark ink and leaving it to cure for an hour or so to let the watermark effect develop. The amount it develops varies according to the card you are using - on this one it gives a subtle watery effect that doesn't divert attention from the main image.
For the image panel, made a background using a fingertip dauber to cover a piece of card with narrow bands of Distress Ink, blending them well where they met. Then I stamped and heat embossed the palm tree scene over it in black. The stamp is an UM that I've had for 20-25 years, I think it was created by Trish Bayley.
I don't have a stamp of the sentiment so I created it in Word and cut it out using scalloped scissors "back to front" to give a wave effect.
I am sharing this with
Sweet Stampin' - Create your own background
Crafty Cardmakers - Create your own background
Sisterhood of Snarky Stampers - W for Water
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Just Us Girls - photo challenge
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