Colybrix, thank you very much for your permission that I may translate your tutorials

Original tutorial here

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Preparation

Open tile or43 - Edit define pattern

The tile will be the last in your active patterns

Do the same with the Horizontal Gold tile

I put in the material the same tiles in silver tones if the colors of the gold tiles do not match your colors, in this case import the silver tiles

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Dark color 170c0e

Light color efd6b4

Color 3 (title text): eaca1f

1 - Open the Alpha Livia layer (it contains selections)

Image - Duplicate, we work on the copy

2 - Fill the layer with the dark color

Open image Coly - mask38 - select all - copy

3 - On your work

New layer, fill with light color

Add a layer mask

Important : while holding down the Alt key, click on the white thumbnail of the layer mask in the layer window

The layer is white

4 - Ctrl V (paste) - your mask will paste into the layer mask

5 - Right click on the layer mask thumbnail

Apply the layer mask

6 - Deselect

7- Filter – Sharpen – Unsharp Mask

8 - Layer duplicate

Set the opacity of this layer to 50%

Layer Merge visible 

9 - Image -Adjustements - brightness / contrast

Result

10. Select - Load selection

Choose selection 1 in the scroll menu

11. Ctrl J (layer via copy)

Layer style

Pattern overlay - choose the 43 gold tile (or 223 silver according to your colors)

Drop shadow 

12 - Go to the layer below (layer 2 copy)

 Layer Style - Pattern Overlay - Choose Horizontal Gold Pattern

13 - Stay on the layer below (layer 2 copy)

Select - load the selection

Choose selection 2 in the scroll menu

14 - Image - Adjustements – brightness / contrast

Deselect

15 -  Return to the top layer (layer 1)

New layer 

Edit - Fill with white color

16 - Open the Coly-mask-14 mask

Select all - copy

17. Go back to your work, we do the same steps as for the previous mask

- Add a layer mask on the white layer

While holding down the Alt key, click on the white thumbnail of the layer mask in the layer window

Ctrl v ( edit - paste)

 Right click on the layer mask thumbnail

Apply the layer mask

18 - Deselect

Set the opacity of this layer to 75% and change blend mode - Overlay

19 - Open the landscape mist 104

Using the lasso tool or Rectangular Marquee Tool  at 0 - erase the watermark

Copy - paste on your work

Ctrl T (free transform)

Link checked put its settings (X - Y - L - H)

20 - Blend mode linear light mode (or other)

Move this layer under layer 2

21 - Merge visible layers (Do not flatten)

22. Image - canvas size  (120 and 110)

 23 - Open frame 18

Using Rectangular Marquee Tool, progressiveness to 0

Erase watermark in the center

24 - Select all - copy

Paste to your work - normally it is the right size

(To change the frame color on my 2nd version I made image-adjustments- Hue and saturation (ctrl u) with my dark color in the foreground

check colorize or redefine depending on the version,
move the saturation and brightness sliders to accentuate, darken or lighten if you wish)

25 - Open Woman 761 Coly - remove the watermark

Copy - paste on your work

Ctrl T (free transform) with these settings

26 - Layer style - drop shadow 

27 - Open the Title Livia tube

Copy - paste on your work

Move to top left

28 - Layer style

Color  (I took a yellow color on the work : eaca1f)

Stroke (dark color)

Bevel and emboss (Inner bevel)

Drop shadow

29 - Open flower 76 Coly - remove the watermark

Copy - paste

Ctrl T free transform)

 30 - Layer style - Drop shadow

31 - Add your watermark

Merge flatten all

32 - Image - Canvas size

2 pixels in Width and Height dark color

33 - Image -  image size 900 pixels

If you want, you can send me your version 

 If you have problems, or you find a not worked link, write to me

Une autre version avec des tubes de Colybrix, Guismo et Tine

Thank you Win