NOTE: This took me forever! Partially because I messed up and had to rip out seams and resew parts of this. So I doubt that for most people, they wouldn't take as long as I did.
I kinda don't like that it came out so big, but I really want a wallet where you have what you need, including the change.
Anyway I found this from "Bluebirdswing" blog : http://bluebirdswing.blogspot.com/2010/06/my-very-first-tutorial-lets-make-wallet.html