I used the tutorial at this site to make my outside plaid, although I ended up improvising because for some reason I couldn't get the plaid look so I copied my horizontal stripes, pasted it as a new layer, roated it 90 degrees, and lowered the opacity about 50%.

http://www.psphappenings.therapids.net/tut1.htm

I made the checks and flowered border following the tutorials at this site.

http://www.bitsofgina.com/tutorials/country_backgrounds/countrybackgrounds.html

And I made the center background following the tutorial at this site.

http://www.geocities.com/yorkietuts/quickpolkadotsbkg/quickpolkadotsbkg.html

Sheryl