You can cut these frames in two steps, but I found it easier to cut them in three. I cut the outer 4" x 5.25" frame first, then I centered the inner cut-out on that, then I cut out the word last.
I printed my pictures on 4" x 6" photo paper and added the frame to the photo before trimming the top and/or bottom off. That way I get a perfect fit every time. For these photos I used Rich Coral and Lemon Drop card stock for the frames and mounted them on 4.25" x 5.5" Whip Cream card bases.
Our card stock is on sale until the end of this month so be sure to grab some soon!
Designer Frames die set DI-0318
Whip Cream card stock CS-0040
Rich Coral card stock CS-0093
Lemon Drop card stock CS-0018