On this layout, I layered a lot of pieces -- including file folders and tabs -- behind the photo to build up a very colorful mat to feature the photo. The bright colors work well with the black and white photo.
Heidi Swapp makes clear tabs you can staple to your project to further enhance that file folder feeling.
This bottom border is a pre-made element from Heidi Swapp. I added the sequin heart (also from Heidi Swapp), but other than that, this was ready to go. Love that.