Credits:
ANNA ASPNES DESIGNS
FotoInspired Edge Templates No. 3_4 FIEdgeTNo3
ArtPlay Palette Rainbow_ArtsyPaper5 APPRainbow
ArtPlay Palette Whimsy_Ribbon2 APPWhimsy
ArtPlay Palette Love Letters_Brush1,12 APPLoveLetters
Artist Edges Overlays No. 8_5 ArtistEdgesOverlaysNo8
UrbanStitchez No. 11_5 UrbanStitchezNo11
Love WordART Mix No. 3_WAFairyTaleStory LoveWordARTMixNo3

Process:
You have opened a new document. Added by: Solid paper3.jpg, from ArtPlay Palette Ordinare. | Added FotoInspired Edge Template No.3 psd. Added Bevel & Emboss Effects to multiple layers. He joined the layers together and made them smaller. | Added by APP Rainbow ArtsyPaper5.jpg. He made copies that he cut into each layer of the template. | The ArtsyPaper5.jpg layers were modified as needed with the adjustment layer of the layer palette. | He then placed the photo on the top layer. Excess parts of this were erased with a layer mask. Mixing: bright light. | Finally he made embellishments: WA, Ribbon, Brushes. Overlay, for UrbanStitchez (see list above).

I do not speak English. Im using Google Translator - sorry! I will answer your question!
Margo