Tutorial Suggestions!?!

[meagan43]

With so many people using Photoshop, I always feel like a little like Cinderella (the step daughter that isn't as loved )

I see a lot of masks and other items that are made to "clip" to photos to create a certain look. Maybe antiqued, folded edged, or clear photo protector and I can't seem to be able to use them.

The protectors I bought were in .tif and/or .psd files and I couldn't really utilitize them since they were designed to be clipped to the photo and just laying it on top of the photo didn't make it look like it was in a pocket.

Now, I see a cute set of clipping masks in .png, but I don't know if it will work for me. Here is the description: "Use these clipping masks to easily transform your papers and photos instantly with slightly worn edges."
Does anyone have any suggestions for us lowly SBC users. Thanks