Happy V-day (lol not too late)
Entry guide: step 1 of 9

Just started with a basic shape
Entry guide: step 2 of 9

Used some brushes to add the designs.
Entry guide: step 3 of 9

Made a "frame" by cutting out part of the rec then added some styles to it.
Entry guide: step 4 of 9

More brushes and a "paper" like look to it
Entry guide: step 5 of 9

made (top) heart from vector shape and TRIED for a glossy look but turned out more matte like.. oh well lol. Used a brush for the angel/banner. Vector heart with patterns & textures
Entry guide: step 6 of 9

Put in the text (duplicated for deeper feel).
Entry guide: step 7 of 9

Brushes on the "frame".
Entry guide: step 8 of 9

Went a little "shine" crazy haha lol.
Entry guide: step 9 of 9

Finally added a the name and a veil (smoke) like thing (by accident but liked the way it looked lol).
final result

| go to the photoshop only 2 contest (full view) |
