After seeing about a week ago, what one lady had done with masks & photos I had to have a go & thought you might like to see the outcome.
It is actually on a white background. A shape is produced by linking - in my case - a circle, a couple of flowers & tendrils. These are then "joined" together as one item. You then put your photo on the page & create a mask layer which causes your photo to seem to disappear. When you bring the shape onto the page the photo magically appears through it. Opens up all sorts of lovely layouts. There just aren't enough hours in the day.
Thank you for stopping by I hope you enjoyed your visit.