So it means you did all the instructions from above didn't you?
OK. Now there should be three layers in the project.The background, the first ( golden) layer and the third one just added.
Clixk the first one ( I mean the middle) with LMB and then with RMB.In the menu that will appear choose Copy the layer style or something like that.
Then click with LMB the new one layer ( the top one) and then click with RMB. In the opened menu choose the Paste the layer style.You should get the whole golden layer again ( the first pic).
Switch off the middle layer by clicking the black eye with LMB on its bar. The golden frame should be seen ( the second pic). Now you can choose the Blending option for the new layer with the frame and add a relief effect. Then you can colour the background with the dark red paint for instance and voila ( the last two pics here).