Credits:
ArtPlay Palette Star ArtPlay Palette Star by Anna Aspnes
BeadedThreadz No 2 BeadedThreadz No 2by Anna Aspnes
Light WordART No 1 Light WordART No 1 by Anna Aspnes

I did a copy of the background and changed the blend mode to Multiply. I desaturated my photo and colored it into the same color as the overlay at the right side. I then put the photo and a transfer with the blend mode Darker Color between the background and the copy of it. I also used a transfer to get the texture in the middle of my page.