Credits:
ANNA ASPNES DESIGNS
***NEW Heart BrushSet Bundle 14 February 2020*** [url=https://www.oscraps.com/shop/BrushSet-Bundle-14-February-2020.html]HeartBrushSetBundle[/url]
UrbanStitchez Hearts No. 4_1,3,4 [url=https://www.oscraps.com/shop/UrbanStitchez-Hearts-No.-4.html]UrbanStitchezHeartsNo4[/url]
ShatteredHearts No. 1_1,8 [url=https://www.oscraps.com/shop/ShatteredHearts-No.-1.html]ShatteredHeartsNo1[/url]

*AnnaRelease 7 February 2020 - On Sale 05 February 2020* [url=https://www.oscraps.com/shop/AnnaRelease-7-February-2020.html]AR07Febr2020[/url]
ArtPlay Palette Magoa_SolidPaper2 [url=https://www.oscraps.com/shop/ArtsyTransfers-Magoa.html]APPMagoa[/url]
ArstyTransfers Magoa_2,5 [url=https://www.oscraps.com/shop/ArtsyTransfers-Magoa.html]ATMagoa[/url]
FramedMasks No. 5_1G,2F [url=https://www.oscraps.com/shop/FramedMasks-No.-5.html]FramedMasksNo5[/url]
UrbanThreadz No. 20_15 [url=https://www.oscraps.com/shop/UrbanThreadz-No.-20.html]UrbanThreadzNo20[/url]

Also used:
ArtPlay Palette Family_Tree [url=https://www.oscraps.com/shop/ArtPlay-Palette-Family.html]APPFamily[/url]
ArtPlay Palette Apothic_GrayFrame [url=https://www.oscraps.com/shop/ArtPlayPalette-Apothic.html]APPApothic[/url]
HandStitchez No. 1_11 [url=https://www.oscraps.com/shop/HandStitchez-No.-1.html]HandStitchezNo1[/url]

Process:
The page is made in two parts. The first one was saved in jpg format. Then you created the text on this layer to the right.
You have opened a new document. Added by SolidPaper. | Posted by GrayFrame .psd from APPApothic. He put the two layers selected from the FramedMask set on the gray mask. This highlighted the photo. | Added layers below the photo frame. Tree, with hearts on separate layers, tinted these and raised their sights with effects. | He prepared the background for the text on the right. He arranged a copy of the tree. Added ATMagoa transfers - Overlay. | Saved the previously created page in jpg format.
You have opened the saved image. | Added to the right of the background SolidPaper. | He wrote the quote. Extracted text from SolidPaper. (I will write about this in a later page.) Decorated with stitching.

Quote:
Mire felneveled a gyerekeidet, megtanulod, mivel tartozol szleidnek. (Miguel Tirado Zarco)
Google Translator - "By the time you raise your children, you will learn what your parents owe."

Thanks for looking!
I do not speak English. I'm using Google Translator - sorry! I will answer your question!
Margo