This is a layered PSD file. It's completely customizable - you can add your photo, change the colors and the font, as well as the text on the arrow and in the journaling box. Click here to grab it.
To add your photo, here's a brief tutorial in Photoshop Elements 9 (on a Mac).
Open the template and your photo.
Resize by dragging in the corners until you're satisfied with the result. The photo space is 3x2, so it is the same proportions as a 6x4 photo.
Click the check box when finished. Then you can click on the other layers and make adjustments to colors, fonts, and text as desired.
Hope you enjoy this template! Have a great weekend everyone!