I should point out that some of these effects aren't available on the free version of Picnik, I do pay for a subscription. Don't ask me how I did each of them though, I just enjoyed 'playing' with the images and the various editing tools.
I made more than these three and my plan is to put all of them into a mini handmade book with pockets, like this one I made last year using just one 12 x 12" piece of Tim Holtz paper. (Instructional video available on that link):
Have a good weekend, thanks for stopping by,