I made it with PSP: &

Supplies:

Filters / Plugins:
ºvº Kiwi's Oelfilter:

You are welcome to take this nice sunflower with you, it shows you always where you are (just click and drag) Have Fun!

tutorial tested by:

01) File / New / 600 x 450 px / transparent

set your FGC to: #537cab
and your BGC to: #d6ddec

flood fill your picture with this gradient:

02) open the tube: Natur 764

Edit / Copy
close the tube again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

move it down to the left:

03) open the tube: MistySnowyMountainsec

Edit / Copy
close the tube again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

Image / Mirror

place it as shown below:

Layers / Duplicate

Image / Mirror

04) open the tube: ours_polaire_cdb

Edit / Copy
close the tube again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

05) Image / Add borders / 2 px / colour: #FFFFFF

Image / Add borders / 5 px / colour: #2D3D61

Image / Add borders / 2 px / colour: #FFFFFF

Image / Add borders / 15 px / colour: #000000

06) activate your magic wand tool

select the black border

set your FGC to: #2d3d61
and your BGC to: #6489b5

flood fill the selection with this gradient:

07) Effects / Plugins /  ºvº Kiwi's Oelfilter / Zig Zack:

Deselect

08) Image / Add borders / 2 px / colour: #FFFFFF

Image / Add borders / 5 px / colour: #2D3D61

Image / Add borders / 2 px / colour: #FFFFFF

09) Layers / Duplicate

Image / Resize: 75% (all layers checked)

place it as shown below:

Effects / 3D Effects / Drop Shadow:
&

10) open the tube: femc25tubnov21

Edit / Copy
close the tube again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

place it as shown below:

Effects / 3D Effects / Drop Shadow:
&

11) open the tube: neige

select any snowflake

Edit / Copy
close the tube again; we don't need it anymore
back to your picture 

 Edit / Paste / Paste as new layer

change the blend mode to: screen

duplicate it a few times and place it on your picture

your picture could look like this now:

12) add your watermark and name

File / Export / JPEG Optimizer