So, the honest truth is that its not really "without a kit."
I started with a very well-coordinated set of supplies - not exactly a kit, but close enough to make me feel comfortable. I began with the DIY kraft cards and envelopes form Simple Stories:
The supplies were rounded out by some Xmas Red, Crystal and Green Stickles:
The result: eight Christmas cards that went together very quickly and that I absolutely LOVE!
There are even matching envelopes!