I began by taking 4 8.5x11 pieces of blue dotted paper and gluing them onto a piece of paper the same size as my frame. I made this way to complicated. Originally I printed the words onto transfer paper and tried to iron it on. Well that didn't work. It wouldn't really stick. So I just printed it onto another 4 pieces of 8.5x11 paper and cut to size.
My original plan was to leave it as that and just add a heart, instead I ended up using some turquoise paper I had on hand and adding a border of about 1/4" thick all the way around.
Finally I added my heart.
Unfortunately I forgot to get a picture of it in the frame! Woops. Hopefully you get the idea. :)