My first tutorial.

I hope it's easy to understand. :]

Image hosted by Photobucket.com >>>> Image hosted by Photobucket.com


First step: As usual, resize and crop your image.
Image hosted by Photobucket.com

Second step: Duplicate your layer and set to screen. Her face was a little too bright, so I used the eraser tool on a low opacity (9) and erased a little bit on her face.
Image hosted by Photobucket.com

Third step: Add a new layer. Next, I added a texture I had just made and set it to soft light.
Image hosted by Photobucket.com Image hosted by Photobucket.com

Fourth step: Add a new layer. Flood fill your image with this color: #582D6F, set it to exclusion and lower the opacity to 28.
Image hosted by Photobucket.com Image hosted by Photobucket.com

Fifth step: Add a new layer. Here I just took the selection tool and made some selections where I wanted and flood filled it white, then lowered the opacity to 48.
Image hosted by Photobucket.com

Sixth step: I just added some text using Times New Roman, size 5, on a new layer.
Image hosted by Photobucket.com

Seventh step: Duplicated the text layer.
Image hosted by Photobucket.com

Eighth step: Added a border.
Image hosted by Photobucket.com

...and that's all. Enjoy. :]