ArtPlay Palette Lifes Little by Anna Aspnes http://www.oscraps.com/shop/product.php?productid=33615
1. Put a Levels layer and create a lighter page with greater contrast
2. Use B/W filter
3. Use a posterize layer
4. Use Gradient layer with your favorite colors (i used a brown color palette)
5. Insert the original photo above them and change the layer-style. I used Divide style
6. Merge the layers and use some brushes on the layer mask
7. I used some transfers behind the masked photo (with layer masks too), and put a WA with a flower
8. I used some strokes and brushes at the end.