Although I have used dies in the sample, don't worry if you don't have any as I have given you templates for the two nesting panels, & so long as you have a pretty corner punch you can create the decorative panel in the background using that.
A 'year in cards' project notes for the box & the divider cards, plus the month & note tabs to print & punch out using a 2.5cm (1") circular paper punch.
This project is all about how to easily create apetures in the folded flaps on the front of the card so they line up exactly when the card is closed. The decoration of the card I leave up to you.
Here is one for the Grand Calibur enthusiasts, though any A4 die cutting machine will do! If you don't have the dies I have used, substitute the one's you do have.
Below that is the version that you don't need gadgets to make!