Copy now the girl's layer and process the picture applying the filters. It must be done the same way we did with the background, without changing the adjustments:
1) Filter – Distort - Ripple
2) Filter – Stylize – Diffuse
3) Filter – Blur – Gaussian Blur
4) Filter – Brush Strokes – Spatter

Mark out the girl's skin on the new layer and deviating a little from the edges (Polygonal Lasso Tool), erase it with the Delete button on the keyboard.

design winter postcard in adobe Photoshop cs2

Erase the markings now. After that you should decolorize the eyes with the Dodge Tool.

design winter postcard in adobe Photoshop cs2

Copy the layer with the girl and blur out this copy (Gaussian Blur).

design winter postcard in adobe Photoshop cs2

Change the copy - layer's type on Color Burn.

design winter postcard in adobe Photoshop cs2

Combine the layers with the girl now (ctrl+e).
Having the gradient Tool on a new layer, the corners must be darked out.

design winter postcard in adobe Photoshop cs2

Change the layer's type on Color Dodge. Create a new layer above the girl and group these two layers: Layer – Create Clipping Mask (ctrl+g). Try to represent on the girl several snowflakes, having the Brush Tool (it's possible to download them here: http://www.deviantart.com/deviation/13486710/
 
?qo=22&q=snowflakes&qh=in%3Aresources%2Fapplications%2Fpsbrushes+sort%3Atime
)

design winter postcard in adobe Photoshop cs2

Change now the layer's type on Soft Light and combine it with the girl's layer (ctrl+e).

design winter postcard in adobe Photoshop cs2

Now we have to renounce to the black patches on the girl's hair: Selective Color.

design winter postcard in adobe Photoshop cs2

Represent on a new layer that must be situated upper than all the rest, the snowflakes colored in blue-dark and situate them on the entire background. If the snowflakes' color is not intensive enough, you just have to copy their layer.

design winter postcard in adobe Photoshop cs2

Minimize the Opacity of the snowflakes till 44%. Represent then on a new layer, above the girl's one a crown, having a ready brush too. Download it here: http://www.deviantart.com/deviation/25594369/ ?qo=7&q=by%3Aspiritsighs-stock&qh=sort%3Atime+-in%3Ascraps.

design winter postcard in adobe Photoshop cs2

Correct its size, using Edit – Transform – Distort.

design winter postcard in adobe Photoshop cs2

Copy now the layer with the crown (ctrl+j) and blur out the copy (Gaussian Blur) just to make it shine.

design winter postcard in adobe Photoshop cs2