I started with a photo hubby took years ago in Dunsmuir. The flowers against the brick wall.
I added the woman from one of my photo cds.
The text and swirls are both brushes I downloaded online. No longer sure where they came from but my favorite places are
search for photoshop brushes and you will find dozens of sites!
And finally, I used a "scratches" overlay to give an even roughness to the finished project. Again, a free download. I am horrible. I download free sets of overlays and such, keep the one or two that I want and discard the rest. I lose track of where they came from. Here are a couple places I have frequented in the past.
I had fun playing around with layers, opacity and brushes. It was a fun way to relax and lose an hour or two. :-)