Don't panic! This is not as difficult as it looks!
Our challenge is on creating a photo/piece of art by using layers in whatever program you like (photoshop, Elements, etc.. Open up a photo and a texture, Make a duplicate layer of the original photo and click on "multiply", Move the texture in on top of the picture. At this point you can change the layers on the texture layer (top) to whatever works for you. I used "exclusion" on #4 below. But you just try all of them to see what works best. Save this as a PSD file so you keep the layers open and also as a jpeg file, and then you can still play with it... i.e. change the hue and saturation or levels, or you can add another photo/texture over top of that.

There are endless possibilities for layers and textures. Playing with the layer pallet and the "filters" is the easiest way to figure out some of the things they will do.
I have been doing it for a while and have many methods figured out. I will post a few of the simpler techniques over the next few days.

Keep it simple to start and again, ask questions! There are lots of UHH'ers that can help each other out! Good luck and lets see what you can do!

Cheers!
Clicker!