Tropical Paradise
This tut assumes you have good working knowledge of PSP.
Kit: Tropical Paradise, by Applehead Designs you can purchase this kit here.
Thank you Applehead for allowing me to use your wonderful kit.
Tube: Green Mermaid by Elias Chatzoudis, you can purchase this tube here.
Template: by AquaRebel, template # 71,  download here.
Mask: by Vix, Vix Big Mask 001, you can down load here.
Font: Puppypoopy, download here.

SA=Select All
F=Float
DF=Defloat
SN=Select None
NL=New layer
C/P=Copy & Paste
Drop shadow=3,3,35,5

 

Open your mask and template in PSP, duplicate the mask and close the original.
In the template delete the following layers, layer 10,9 8, 7, 6.

 

Unhide the background layer, add a new layer and select all c/p paper04 into selections, sn, apply your mask layer and merge group.
Resize your mask layer 95%.

 

Select raster 1 layer, sa,f,df,nl, c/p paper09 into selections, sn, go to adjust add/remove noise settings 100, Gaussian and Monochrome selected, add a drop shadow, delete template layer.

Repeat the above step for layers 4 and copy of 4.

 

Select raster 2 layer, sa,f,df,nl, c/p paper09 into selections, sn, go to adjust add/remove noise settings 100, Gaussian and Monochrome selected, add a drop shadow, delete template layer.

 

Open the colour paller that is provided with the kit, make your foreground the dark red, make your background the light red, create a gradient set the angle at 45 and the repeats at 0, select raster 3 layer sa,f,df,nl, flood fill with your gradient, sn, delete the template layer.

 

C/P Birdhouse Branch 03 as a new layer, position to the right, duplicate and mirror, add a drop shadow to each layer.

 

Change your foreground colour to the green and the background colour to the yellow, create a gradient with these 2 colours angle at 0 this time.

Select raster 5 layer, sa,f,df,nl, flood fill with your new gradient, sn, got effects, texture effects. weave, use the following settings, Gap size=1, width=3, opacity=4, weave colour =black, gap colour=white, fill gaps is checked, delete the template layer.

Repeat the above step for copy of raster 5 layer.

 

C/P Palm Tree, as a new layer, resize 85%, position to the far right, duplicate  and mirror, add a drop shadow to each layer.

C/P Flower 02, as a new layer, resize 50%, position to the far right, duplicate  and mirror, add a drop shadow to each layer.

C/P porthole 3 as new layer, add drop shadow.

C/P paste your tube as a new layer. Move your tube down a bit on your image, add a drop shadow.

C/P Seashell 01 as new layer, resize 35%, position bottom right of image.
C/P Seashell 02 as new layer, resize 35%, position bottom right of image.
C/P Seashell 03 as new layer, resize 35%, position bottom right of image.

 

All done, add your copy right and text, hide the background layer and save a PNG.