You can use this sample project as a template for your own.
With fall in the air (or at least trying to be), I can't help but think of lit candles, hot apple cider and warm sweaters, all things that make for a pretty cozy and perfect day in my book. So I chose to letter the word "cozy" and designed it in Photoshop.
FINAL TEXTURED WORD
Here is my final design with watercolor texture added to both the word and the background. And just for fun I put watercolor paper in the background.