Here below I have done a step by step on the layout titled Favorite Document. Using the Main Kit at My Creative Srapbook.
I started out with a white card stock as my base. Then layered a piece of paper on the bottom half.
I chose another pattern paper and trim enough to fit on the piece of pattern paper above so that it was peeking out. I took some white card stock and did a trim using a scalloped punch I had in my stash..