An ounce ....

Select card apply gradient color and add text message.

With lasso tool, make irregular selection inside card and applied burnt edges filter from Alien skin. Selected white background and deleted.

Take image from previous PST contest. Copy and paste in new layer below all others.

• 1: http://www.photoshoptalent.com/photoshop-contest/2138/rebuild.html

Select roof rafters and on a new layer fill with dark grey and then apply reticulation filter. Change blending mode to multiply.

Select interior painted walls and on new layer fill with dark grey. Again apply burnt edges filter from Alien skin.