I wanted to make something personal for my sis-in-law's birthday in addition to a group gift. She is always so kind and willing to help me out. I decided to try this tutorial from Noodlehead. I love how it turned out. Now I just need to make another for myself!
For the inside I did the variation with the divider pocket on one side, and added a second row of credit card pockets on the other. Thanks Anna for a great tutorial!