This tutorial was translated with PSPX3 but it can also be made using other versions of PSP.
Since version PSP X4, Image>Mirror was replaced with Image>Flip Horizontal,
and Image>Flip with Image>Flip Vertical, there are some variables.
In versions X5 and X6, the functions have been improved by making available the Objects menu.
In the latest version X7 command Image>Mirror and Image>Flip returned, but with new differences.
See my schedule here
French translation here
Your versions here
For this tutorial, you will need:
Material here
Tube Mina.4421 golden lady
Narah_Mask_1075
Tube ele61
Texto Toas to You_nines
Plugins
consult, if necessary, my filter section here
Filters Unlimited 2.0 here
Tramages - Tow the line here
FM Tile Tools - Saturation Emboss here
AAA Frames - Foto Frame here
Filters Tramages can be used alone or imported into Filters Unlimited.
(How do, you see here)
If a plugin supplied appears with this icon
it must necessarily be imported into Unlimited

You can change Blend Modes according to your colors.
Open the mask in PSP and minimize it with the rest of the material.
1. Set your foreground color to #513e2e,
and your background color to #ffe19d.

2. Open a new transparent image 900 x 650 pixels.
Flood Fill
the transparent image with your foreground color #513e2e.
3. Layers>New Raster Layer.
Flood Fill
the layer with your background color #ffe19d.
4. Layers>New Mask layer>From image
Open the menu under the source window and you'll see all the files open.
Select the mask Narah_Mask_1075

Layers>Merge>Merge group.
5. Layers>Duplicate.
Image>Mirror.
Layers>Merge>Merge down.
6. Change the Blend Mode of this layer to Hard Light.
7. Adjust>Sharpness>Sharpen.
8. Open the tube Mina.4421 golden lady - Edit>Copy.
don't close the tube; you'll use it later
Go back to your work and go to Edit>Paste as new layer.
Erase the watermark.
Image>Resize, 1 time to 80% and 1 time to 90%, resize all layers not checked.
9. Effects>Image Effects>Seamless Tiling, default settings.

10. Adjust>Blur>Radial Blur.

11. Effects>Plugins>Tramages - Tow the line, default settings.

12. Effects>Plugins>FM Tile Tools - Saturation Emboss, default settings.

13. Change the Blend Mode of this layer to Multiply.

14. Adjust>Brightness and Contrast>Brightness and Contrast.

15. Layers>New Raster Layer.
Flood Fill
with your foreground color #513e2e.
16. Selections>Select All.
Selections>Modify>Contract - 2 pixels.
Press CANC on the keyboard 
Selections>Select None.
17. Layers>Merge>Merge visible.
18. Effects>Plugins>AAA Frames - Foto Frame.

19. Edit>Copy.
20. Image>Resize, to 90%, resize all layers not checked.
21. Activate the Magic Wand Tool 
and clic on the transparent zone to select it.
22. Edit>Paste into Selection.
Selections>Select None.
23. Activate again the tube Mina.4421 golden lady - Edit>Copy.
Go back to your work and go to Edit>Paste as new layer.
Image>Resize, 1 time to 80% and 1 time to 90%, resize all layers not checked.
Placer
rightly the tube.
24. Effects>3D Effects>Drop Shadow, color black.

25. Open the tube ele61 - Édition>Copier.
Revenir sur votre travail et Édition>Coller comme nouveau calque.
26. Effects>Image Effects>Offset.

27. Effects>3D Effects>Drop Shadow, same settings.
Layers>Duplicate.
Image>Mirror.
28. Layers>Merge>Merge All.
29. Image>Add borders, 2 pixels, symmetric, color #d2a02e.
Image>Add borders, 20 pixels, symmetric, color #513e2e.
Image>Add borders, 2 pixels, symmetric, color #d2a02e.
Image>Add borders, 20 pixels, symmetric, color #513e2e.
30. Open the text Toast to you_Nines - Edit>Copy.
Go back to your work and go to Edit>Paste as new layer.
Move
the text at the bottom left.
31. Sign your work on a new layer.
Layers>Merge>Merge All and save as jpg.
The tube of this version is by Min@


If you have problems or doubt, or you find a not worked link, or only for tell me that you enjoyed this tutorial, write to me.
3 January 2017