You are welcome to come visit easy to follow tutorial (and video tutorial too!)
on How to Make an Envelope
on my Graphics-Illustrations.Com Blog.
Of course, to make a great Valentine's Day Envelope
you'll need a quality Photoshop brushes, and you can get them in my little store
A note for Google:Sponsor of this article (and that would be me) recommends some of the High Quality Photoshop brushes by Graphics-Illustrations.Com