I think this is my favorite card layout. I use it a lot. For this card I picked out the decorative paper first and then I chose coordinating cardstock for the top. I tied the Cherry Red ribbon around the card and added the tag. I made the tag myself with my 1 1/4in circle punch and my scalloped circle punch.
It is easier to get the sentiment center perfectly if you stamp it first and then punch out the circle with your punch. Just flip the punch upside down so you can see what you are doing through the punch window.
I loved this card so much I made a few of them. I just love the bold colors and graphic floral pattern.