I avoid the background and journal on a photo:
or a journal card:
or a paper strip:
or lots of paper strips:
But if I want to go right on the busy paper, I'll find a less busy part to journal on:
or I put a glow or stroke on the text (I know it doesn't look like much, but at full-size I swear this is totally legible! I am way too anal to make it not be, ha!)
up closer:
I've also used blends, paints, and masks but I don't have any examples to show off. Maybe soon.