I took this image into OnOne Effects 10 – Spring. The edging is done by using a brush in Photoshop… preferable an irregular brush, not a hard or soft circular. At 56% opacity, I painted with white around the sides which gives a soft edge. This is actually a watercolor brush. You can add to the default brushes by searching on the web for specialty brushes. There are many free ones. I often look at http://www.brusheezy.com
I have kept adding to a file of quotes for many years. Some are my own thoughts… others are from additional sources.
Then I added the text in Photoshop using the text tool. You can find many free fonts online too. One site I like is: http://www.1001freefonts.com/brush-fonts.php
I love the creative process with cards… but even more the joy to share with others!