WaterColor Template Album No. 2 http://www.oscraps.com/shop/WaterColor-Template-Album-No.-2.html
I used template 2c here

ArtPlay Palette Daffodil http://www.oscraps.com/shop/ArtPlay-Palette-Daffodil.html
Font Brush Script MT

I started with making my photo artistic with the artistic filters! Then I opened the template. I colored all the brushes and stains under the photo with color overlay and then changed the blending modes to multiply. I openend my photo duplicated it for working with it later and placed my photo on the clipping mask, ( big fotoblend) and merged it! I took a bit of the saturation away. I then merged the 2 frame masks together and clipped the duplicated photo on the merged masks! I placed the frames above it! I added the brushed from AAP Daffodil to give the illusion of a frame or mirror. I also placed some other brushes for some more interest. I typed my journaling in the textbox. I made my title. I copied and placed some splatters!