yet, i could never figure out how to add them in Picassa.. lol
once you have your original image, open the texture you want to use.. go to layers (i'm not on my own pc at the moment, so i'm trying to remember) working on the texture, go to add new layer and from the pull down list choose the photo you are working on.. once you have layer the texture go to layer options and i usually use soft light.. but for this one, i used 'darken'.. you can reduce opacity to suit your taste..
hopefully that will help, Karen.. i will open PS tonight and note ya with better instructions... lol
ahah!! nooo telling.. cos i can't remember.. haha.. seriously, i processed and was happy.. reopened and processed some more.. umm, about 3 times... i will try and 'member though, sweetie.. but i am soooo happy you like it, sweetie.. just a little make do gift til you get your true one.