Make A Grid

Open a new canvas, 10x10 px with white background. Zoom in 400% or higher. Pick the paintbrush, set color to black, size 1, soft edge 0, lines stright. Draw two lines along the left and top edges, press shift for keeping line stright.

Save your image and remember where you saved it. Open up the picture you want to use (I am using one from Pics.am). Go to Effects/Material Effect/Texture Filter/Embossed. Click on the little arrow to access pull-down menu and choce Add Texture. Browse to folder where you have saved your texture. I am using Level 7 and Transperancy 70, but you can play around and use different settings.

To make it more interesting, we can fade grid in the image. Open image and copy in clipboard then past back, now you have the same image as object on top. Go to Edit/Fadeout and use settings as shown.

Use the same as in previous step and apply the grid texture. Additionaly you can also apply FM Tile Tools Blend Emboss filter.

The possibilities are endless, make your own different textures and happy creating.