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1 • Open the photo you'd like to apply the texture to, along with (2) textures.
2 • Make one of the texture files active. Press Ctrl + A to Select All, and then Ctrl + C to copy.
3 • Go back to the photo, and press Ctrl + V to Paste the texture onto the photo. Use the transform controls to rotate and resize the texture as necessary.
4 • Change the texture layer's blending mode to Soft Light, Overlay, or something else to your liking.
5 • Now, at this point I tend to like to adjust the levels of the texture layer to either help increase or decrease its intensity.
6 • Now, repeat steps 2 and 3 to get the other texture onto your photo.
7 • Make the 2nd texture's blending mode Overlay, Soft Light, or something else to your liking.
8 • I like to use 2 or more texture layers, but I find that it gets to be too intense after the first one, so I like to adjust the opacity of the texture layers to my liking.
9 • Now, this last step is optional, especially if you started out with a somewhat vintage-y image. I like to make the photo layer look a little faded and old. So, select the Background layer in the layers palette.
10 • Bring up the Hue/Saturation dialog by pressing Ctrl + U. Now, tweak the Hue slider a little, and adjust the saturation slider to your liking. (Here, my Hue is set to -5 and the Saturation is -35).
11 • And here is the finished image! If you have any questions, please email me at email@example.com