Technically, this image is...just an image, but this tut is mainly for coloring...
The technique works with avatars too.
Featuring: Levels Layer, Hue/Saturation layer, and lot's of duplicate layers...
I wouldn't say it's beginner friendly, but it's not really hard. Intermediate level...I guess.
I use Photoshop Elements 4.0, but it should be translatable...(PSP has Hue/Saturation layers and Levels layers, right?)
So go on over to the fake cut! [Warning: Image Heavy]