I have just started using a very old version of Photoshop Elements my Mum sent me recently...unfortunately I didn't save all the steps. This is a very basic edit and very easy. The flower is selected (traced with the mouse) and cut out so there is no longer a background and the textures added (these are Shadowhouse). It's kinda funny that this is the only photo I took of this flower because it was too windy, but ended up making for a good picture.
Click on the photo to see full effect. If you would like complete tutorials, stop by my photo blog and you'll find lots of links in the sidebar.