For this upshot of a coconut tree, I decided to start with the coconuts as they are the main focus of the shot. First I lay down the basic colors.
Lay the desired texture over the coconuts (in this case an egg shell texture) and set the blend mode to a desired setting (in this case, overlay). Add a new layer with gradients (also set to overlay) above the coconut layer to add more shadow.
Also be sure to make lots of layers for things. For my situation, I'm going to have the left coconut move slightly so I made it a separate layer. Separate layers also makes painting separate things and overlaying textures to specific objects easier.