Fold in half with the middle making a mountain fold.
Open the paper back up and make a cut along the middle score line to the top score line being careful not to cut past the fold.
Fold your paper in half.
Accordian fold the scored sections as shown:
Adhere the backs of the pages together so you end up with this--a front and back cover and 3 inside pages all with pockets. I added a bit of sticky strip to the ends of the pockets to seal them.
And now just embellish! That's it. Quick and easy.
Supplies: Paper-October Afternoon Modern Homemaker line (thanks to a goodie box from Maura).