Color-change the shirt any color you want (see my color change tutorial).

Type out your message. White text works best. Use any font you like but don’t get too jazzy. The more complicated the font, the harder it is to make it look natural. Bolder fonts work better, too.

Some suggestions: Arial, Magneto, Fixedsys, Impact.

When you're finished, right-click on the text layer and select "Rasterize." This makes it so that you can play around with the text as if it were a paint layer.

Go to Filter/ Liquify. Reshape the text to look like it’s being stretched by the person’s body. The Warp tool works well for anything. The Bloat tool works well to reshape clothes over fairly busty women (figure, increase the spread of the Bloat tool to match the woman's projected bust size).

Depending on the photo subject's posture, you may have to tilt the text a little bit, as I had to do before Liquifying it. Use the "Ctrl+T" shortcut when on the rasterized text's layer to put it in free-transform mode. Hit "Enter" when you're done transforming.

Create a new layer on top of all the others.

Draw a white square in the new layer. Fill it with the color “FFFFFF” (white).

Go to Edit/Define Pattern…

Name the pattern anything you want. I called mine “noise.”

Apply the following layer settings to the text layer:

(Use the noise pattern you defined for the “texture” style.)

Set the layer transition on Lighten.

Put a duplicate of the text layer on top of the original.

Disable the other 2 layer effects and apply Satin with these settings:

(The color I used was "FBFF93." This is subjective, however, to the colors in your photograph. Choose whatever flatters the color of the text and looks a little bit influenced by the natural light in the picture.)

Set the Satin layer transition to Screen and put the layer at 36% opacity. Re-enable the bottom layer's effects. (We disable them while setting the Satin effect because the Satin effect needs to be subtle and it's more difficult to judge it if you have the bottom two layer effects on.

Select the outline of the item of clothing you’re changing.

Use the eyedropper tool to select the dark and the light highlight colors for the image.

This can be accomplished by finding the darkest point in the picture with the eyedropper (in the case of the photo at right, the shadow underneath the writing and at the base of her right arm). Select the darkest colorand then switch it to the background color on your toolbox (keyboard shortcut "X").

Then pick the lightest point in the image. This can be any number of points. In the case of this picture, it's on her left cheek, on the left side of her collarbone, all over her left arm, and on the left side of the shirt. Generally for manually-highlighting an image, the lightest of the light points is best to pick. However, if the image already has a lot of white in it, it's best to pick a light highlight with a little bit of color in it. I used the one that I picked up on her shirt, then lightened it in the color picker.

Use one of the brushes in the default set with the faded edging to draw the shadows to mimic those in the image that you've covered over with text. Have one layer for shadows and one layer for highlights. The shadows layer should be in Normal transition. Set the highlights layer transition to Soft Light.

You're done!

Always be sure to use photographs that you have permission to use if you plan on doing more with them than make pretty desktop wallpapers for yourself.

This lovely photograph is used courtesy of Adia. Don't use her photograph, any of my photographs, or any part of my written or visual tutorials without my permission! Feel free to try this tutorial on your own though. Contact me if you would like to use this tutorial on your site.