Let’s create a silver necklace with Photoshop

Take a new file of 1280 pixels, 1024 pixels, of resolution 72 dpi in the RGB mode.

Using the Shapes Make a Heart Shape and fill that layer with any color.

add the following layer styles.

Create another heart shape inside heart and fill that layer with #58575d.

Then take the “Dodge Tool”  Highlight the following parts as shown below.

After that add the following layer styles.

After that add Some Jewels(Search on Google) and put into your image and set their layer style to Overlay Mode.

Create a new shape with Rounded Rectangle Shape Tool, right click select make
selection open a new layer fill the selection with #a9a8b0

Now select “Burn Tool”

then create the following Shading
with the help of Burn Tool and set Opacity to 53%.

Take the “Shape Tool” select this one. Then create a shape and fill that layer with #cfced4.

Highlight the following parts as shown below.

Now select both layers then press Cntl+E, to Merge Down layers,
and make the duplicate layer a few times with the help of Cntl+J,
and place it like me.

and Set your background image of your choice and your Silver Heart Shape Necklace is Ready.

Done !!

Credit: http://premiumpsd.com/