D'oh.... DH didn't warn me to hold it in!
I used it "as is" on this first page. The kit is Getaway by Rosey Posey. I used a stacked paper background so can't take credit for the cluster bottom right. I added a couple of bits! The frame over the photos is from Lindsay Jane's Another Day In Paradise. I like wonky frames that don't fit the photo.
For the second page I added a frost effect to the photo in Picmonkey and adjusted it so it created quite a wide matte effect. Then I used Rosey Posey's Island kit and, again, used a stacked paper background. I think I prefer this one. The first one wasn't wasted though as I used it with another photo. It's very easy to right click and duplicate a page in MyMemories so I often make several versions.