First lay your napkin flat on a surface with the "good" side up.
Don't worry too much about seams as you can smooth them out as you go. I got my napkins 5/$2.50 from Smarty Had a Party years ago. Next, place your program or book/menu in the very center and fold the bottom up about half-way over your object:
Then, fold the bottom of the napkin up again to meet your top fold like so:
Now is the tricky-ish part. Flip the whole thing over and fold one side to the center:
When you fold the second side in, you want to tuck it into the flap created by the first side:
And voila! Pocket-folded napkins!
Fun, huh? Whatever you celebrate, celebrate it beautifully!