I've been playing with photoshop, making 2 cards. They look relatively simple but they each have a dozen layers. Complex program indeed, but well worth the time to learn it, if you're going to use it regularly.
Next is this one: it's very versatile, because I can add anything I want on that armchair and it fits all sorts of themes. I'm sending it next for our Inspiration cards in my art group, as the theme: finding money in your pocket. I'll put a stash of dollar bills on the armchair.