To use these overlays, open your photo (in Photoshop or PS Elements or anything else that allows you to work with layers).
Then open up the overlay you want to try and drag it into the photo file. Resize as needed so they match.
Then change the style of the overlay. I would start with Hard Light for these overlays. If you don't like that look, try Pin Light, Soft Light, Overlay...
You may want to lower the opacity, but you may not ;) These are meant to be bold and fun!

That's it! 
