It's always helpful to have your photos when you are working on your layout, but that doesn't stop me from completing layouts. The finished blanks go into a book and wait for the right pictures. Not only does this make finishing a page super easy when the photos do come along, it also helps keep my stash down to a reasonable level!
This layout I did have photos. I used two different years but they went really well together. I also added some of the eyeball puffy stickers to the pumpkin stickers for more dimension.