First, the fleece, with the pattern side up:
Next, the cotton:
And finally, the towel, or, for a couple of them, I used more fleece...it doesn't matter which way the pattern faces for the middle:
Starting on a long side, sew all the way around, leaving one short end unsewn. I used a wide zig-zag stitch for both the sewing together and for the decoration.
After the three sides are sewn, cut off the four corners. This keeps it from bunching up when you turn it right-side out.
Turn it right-side out, fixing the fabric so that it doesn't bunch up inside, and lays completely flat
On the short end that is open, fold in the cotton and towel, and then the fleece, making sure to keep it neat and the end straight
Starting with one of the corners on that short end (you may have to keep the presser foot, or whatever that thing is called, up because it might be to thick to run through on it's own), sew around all four sides.
And you're done! :) It's really easy, and quick, to make.