Note from Pat
Using Paint Shop Pro - on a 600 x 600 pixel canvas - played with the words, cutting and pasting them where I wanted them to be.
Heart was done with preset shape and stitches done with a script and then the stitches colour was adjusted using -Adjust / Hue and Saturation / Hue /Saturation/Lightness - I experimented with the settings until I got the colour I wanted.
The white lettering layer was lowered in opacity and nothing else was done to it.
I used Filters Unlimited for the background texture and a Rose preset shape, coloured, texturized, and lowered in opacity.