Most 6x6 paper collections include a few paper designs that could be used for any occasion. So even if you only have Christmas or Halloween papers, it's still possible to make a non-holiday themed card. I used some papers from Doodlebug Design's Ghouls & Goodies collection to make an uplifting card for a friend.
Sketch - Mojo Monday #429
Paper - Doodlebug Design - Ghouls & Goodies collection
Stamps - My Favorite Things
Stitched circle die cut - Lil Inker Designs
Circle die cut - Spellbinders
Ink - Reverse Confetti and My Favorite Things
Twine - Darice
Epoxy stickers - Recollection
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*Card sketch image used with permission from Mojo Monday.