Steps: Tape two pieces of copy together and fold into three equal sections hot dog style. Unfold and then fold in sides to meet in the middle. You should have three sections horizontal and four sections vertical. Cut the top outside sections and bottom outside sections, this will make a plus sign. Mark out your pattern on the leather and cut out. Fold in the middle flaps and then fold up the long bottom flap. Mark where you want your holes to go and then hole punch through the leather, through both layers of leather. Secure with grommets. I finished off the front of my wallet with two leather triangles on the front flap. Be creative with this part, I chose to keep mine simple but there are so many options of different designs you can do.
this one from Free People.
That's it! An easy, no sew, no fancy tool DIY that you can whip up in under 15 minutes and use daily.