See my how-to embroidered panel for the front of the bag. I added beading and appliqued a choker to the bottom as the fringing.

The back panel was cut to the same size as the front piece and I sewed the trimming and button in place.

I then reinforced both panels with iron-on vilene to give the bag some stiffness.
The two panels were then sewed together along three sides, right sides facing. Turn the right way out.

The strap was made by taking a length of wide ribbon, sewing the decorative trim a quarter of the way along it's width, and folding the ribbon lengthways to hide the stitches on the back. I then used a small blanket stitch to seal the edge. The straps and a piece of trim were pinned to the bag as per the tote tutorial.

I made the lining pieces slightly larger than needed to give the bag an opulent overflowing feel when it was made. They were stitched together, right sides facing along both sides, and along the bottom leaving a 4" gap in the centre.

Put the outer bag inside the lining, and sew around the top. As the lining was slightly larger, I put small pleats in the top.

Turn the bag inside-out throught the gap in the lining, and sew up the hole.