I enjoy working with digital elements and papers. This allows me to create cards with mutiple layers without wasting paper. Start with a card sketch layout, then create the layers with the digital papers and elements. I leave some "white space" for stamping the main image. I use Microsoft word for creating hybrid cards however, there are other programs you could use. Here's a link to a card I created using this technique.
I came across this free download created by Eyeinspire. You can download it here. Happy Crafting!