Artsy Layered Template #251 https://www.oscraps.com/shop/Artsy-Layered-Template-No.-251.html
Meadow Artplay Palette-Solid Paper #1, button, transfers/overlays https://www.oscraps.com/shop/ArtPlay-Palette-Meadow.html
MultiLayered FotoBlendz 8 https://www.oscraps.com/shop/MultiLayered-FotoBlendz-No.-8.html
Summer Word Art Mix #1 https://www.oscraps.com/shop/Summer-WordART-Mix-No.-1.html

Notes for Photoshop Elements 14

The template worked fine just as is, so all I did was recolor the stains after adding the framed photos and the large photo in the MultiLayered FotoBlendz. To speed things up, rather than fuss with recoloring the stains on the FotoBlendz, I just duplicated the photo and clipped the duplicates to most of the stains. I did the journaling and added the little bits of word art (which I edited by erasing the parts I didn't want). There are some great artstrokes in the Artplay Palette, so I added them, too. I made the bear-claw embellishment by marquee-tooling the shape off my t-shirt and pasting it under the frame, using a layer-mask extraction.