Firstly, create the text using Horizontal Type Mask Tool.
Create path – magic wand tool – click while holding the shift key – click on each alphabet.
Then press Ctrl and click on the path that has been created. Go to Channel window and create new alpha and again press the Ctrl button and Backspace or Delete.
Insert the Twenty Dollar picture into the files. Resize it so that it can cover the whole word of “SPENDING”. In order to make several copy of the dollar notes press Alt + click and drag the picture.
Press Alt click between each layer of the dollar notes starting with layer 2 (the word SPENDING). This step is called group with previous layer. You can see that the word SPENDING is covered with the dollars.
By using the layer style, create some inner shadow. At the same time, change the layer option of normal to colour to colour the words and still keeping the dollar notes design.
Same goes with the word VACATION, where the Inner shadow, outer glow and stroke effect is being used.
As for the word MONEY, use the layer style again applying drop shadow, Bevel Emboss and stroke effects.
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