The Santa picture I got off the internet and changed in Word to shades of red (it was a regular picture with a gazillion colors when I found it). It's printed on cardstock and sewn straight on the cover. The HO HO HO is metal from the scrapbook section of a local store. The rest is sewn on fabric and the text run through the printer on muslin.
These two pictures are of the section dividers. I made them in Publisher, printed them out and pasted them on pretty scrapbook paper. They always look better in person. But all the section covers look like the one on the left.