Open a picture that you want to practice, in this tutorial, I used the picture below
Press Ctrl+B to open Color Balance, set Color Levels of each Tone Balance:
You will get the result:
Open the texture below
Move it to your picture, then change blend mode to Multiply
Use Eraser tool to erase unsuitable areas (face and body of the lady)
Continue to open the texture below
Move it to your picture then change blend mode to Overlay, use Eraser tool to erase unsuitable areas.
You will get the result:
Now you can add some text to the picture.
This is my final result:

