Let's start with a new document with the following sizes: 760x770.
I will start by placing a stock image inside my document. To do this you need to open also the image you want to place, then with move tool, you can drag the image over your document:
Then i will add another images inside the Polaroid images. This is very simple. All you need to do is to open each image, then you can rotate it, and scale it as much as you want:
I will select Rectangle Tool:
Then i will create a rectangle inside my document.
I will use the following color #dfdac7.
I will apply a simple layer style. For Outer Glow i will use the following settings:
This is my result so far:
I will download the following grunge brush from brush-mania.com.
I will load this brush on photoshop, then on a new layer ( press Ctrl+Shift+Alt+N to create a new layer) add some grunge brushes with Brush Tool:
I will create some simple grunge brushes, on the new layer, then i will change the blending mode to Overlay:
Duplicate this rectangle, and place it like in the following image:
After that i will create another Rectangle ( i will use the following color #3a3a3a ):
After that i will place a image with a flower on thr right corner. You can see the result in the following image:
From my stock collection will add another image:
With Horizontal Type Tool:
I will add some random text like in the following screen shot.
I will hide the images for a second, so you can see better where i am placing the text.
I will select Custom Shape Tool:
And i will choose a random shape, with a flower. you have this flower already in Photoshop.
I will add some small flowers near the text like in the following image:
Now i will turn on the visibility for all layers to see my end result:
I hope you like it.