I ran some white card stock through my Cuttlebug with the Swiss Dots folder- just the bottom half of the card. Then I stitched the ribbon on with a bit of red embroidery thread. The X's remind me of kisses.
I made the heart and sentiment with MS Word and printed it on card stock. Then I cut it out with a scalloped circle Spellbinder. I stitched around the heart and around the scallops by hand.