A. I don't have very many. Those of us on a Total Money Makeover can't buy those kind of things.
B. I think a lot of embellishments, die cuts, lace, punches, etc. take away from the star of the show - the photos.
C. I don't have the skills yet to know how to utilize a lot of embellishments effectively.
Take this layout that I did on Monday night as an example: