Credits:
ANNA ASPNES DESIGNS
ArstyTranfers Milieu ArstyTransfer Milieu
ArtPlay Palette Milieu ArtPlayPaletteMilieu
Artsy Layered Template No. 286 Artsy Layered Template No. 286
Camera FotoBlendz No. 1 Camera FotoBlendz No. 1
FotoBlendz Overlay No. 11 FotoBlendz Overlay No. 11
UrbanStitchez No. 9 UrbanStitchez No. 9
LightLeaks No. 2/Retived


Process:
I have chosen a photo that has a watercolor effect. This is a panoramic photo. I cut it (left side of the photo and right side). The left-hand photo became the main photo, and the right was later in the frame.
Initially, I opened the background of the APP Milieu SolidPapers 3 and then 2. I set the latter to 'Linear Burn'. The layer I added 'Artsy_Transfers Milieu_4'. I've modified some layers (layer effect, move, delete details).
I placed the 'LightLeaks2_3' underneath the layer, 'Vivid Light', and set its transparency to 54%.
I placed 'FotoBlendzOverlay11_3' over 'ArstyTransfer Milieu_4', which I duplicated and merged the two layers ('Merge Layers').
I modified the photo with the adjustment layer and then placed it on a Layer - Create Clipping Mask.
Here I pulled the connected photo frames from the 'Artsy_Layered Template No. 286'. The right part of the photo was placed with a cutting mask. I put this into a group, and on the next layer I set the 'adjusment layer' and let it work on all the layers below.
I placed the 'UrbanStitchez9_7' on the frames. I've added 'CameraFotoBlendz1_5' and set its layer effect to 'Soft Light'.
Finally, I put the captions on 'FotoWordART4_6' (stroke, shadow, coloring). The page is ready.

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