To complete the constuction of the journaling card, add a circle punch or cut out to both sides of the tab mirroring each other to create a pull. The flowers shown on this sample were cut out from the same patterned cardstock used on the finished scrapbook page layout. Now you can hand write your journaling on the card. Of course, if you are concerned about making a mistake in your writing you could write your journaling and then complete the card with steps 1 through 3.
To see scrapbook page layout ideas which use this technique visit the Hidden Photo Journaling Pocket Gallery which contains layouts and free scrapbook page sketches.