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open Picmonkey.com and choose edit new image then blank canvas.

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put in the book cover (wattpad) size

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click + add image and choose either from your computer with your own image or from the stock photos provided. 

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open up any font website (google fonts, dafont.com, fontspace,  fontsquirrel, e.t.c) and type your title into the preview. If you're using anything other than fontspace, you'll need to screenshot the preview text and then use remove.bg or slazzer to get rid of the background. 

I'll be using fontspace. 

Click the photo symbol~

Click save image~

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Upload text image to Picmonkey. 

Position text on the image~

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Edit the text (image) with whatever tools you would like. I'll be using textures. 

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choose the erase option (make sure you have the text/image selected)

Erase the text wherever you would like, most likely where the person is clearly defined.  

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for the photo I'll just do a simple overlay, maybe some colour amping. I'm also going to add a quick drop shadow to the text. 

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final product

Notes: You might notice I changed the text in the final image--mostly because I thought 'Nightmare' didn't fit the image :D