Using Cuttlebug folder, Flourish Frame, here are my three samplers using this technique.
With a p.v.a. glue base over cardstock to adhere the torn papers (edges dabbed with a brush-marker), then trimmed the cardstock centrepiece to fit the frame.
Two fine layers of a satin-glaze varnish to finish, allowing to dry thoroughly between each coat.
A light sanding over the 'flourish' for a distressed look.
Thanks Carole (another Carole with an 'e' too), for sharing your tutorial.