Letter writing 101 - you put the card into the envelope with the picture peeping through the V iyswim and anything else is actually rude to the reciever. I have sat on this for years, but now I just feel that it's a barbed dig against me. She doesn't like me - I have a good life and I thinks she's a bit jealous of my house and car.
AIBU to have a word with her about the slight I have already ripped up the card in temper.