1. Lay cover out, fold diaper into thirds, and lay in cover. You can also tuck one end under the tab as in the second picture:
2. My daughter has sensitive skin, so I lay a stay-dry liner on top. It does not absorb, but wicks the moisture away from the skin. Most pocket diapers are lined with fleece for this very reason.
3. If I'm changing my baby right then, I just slip it under her and close it up just like a disposable! If I'm going to be out, I'll do that with a few of them and close them up as in the picture below and put them in the diaper bag. This way when I'm out shopping or visiting and have a less than ideal situation for changing, I can put it on just like a disposable! If you want to do this all the time, you can just prep as many as you have covers ahead of time so that they're easy to just grab and put on.
The above method seems to be what is considered the easiest way to use prefolds, but most of the time I use what is known as the "angel wing fold," using a Snappi fastener to hold it together.
Believe it or not, in my home where I have a system down, I find this the easiest. Here's a play by play:
1. I lay baby on the changing table and grab a prefold out of the drawer and lay it flat under her.
2. With baby on the diaper, I "trifold" the bottom part with my right hand while holding her legs with my left hand. Her body keeps the top flared out.
3. Since I use stay-dry liners, I then hold baby's legs down to hold the diaper in place as a reach for a liner and then lift her up slightly to place it on the diaper. (I keep prefolds, liners, and covers in the top right drawer so that they are easy to grab.)
4. Next I lay baby's legs down, which continues to hold the diaper in place so that I can bring it up through her legs.
5. Continuing to hold diaper as shown with my left hand, I grab those little "wings" or "tabs" that you see on the side there with my right hand and slip them under my left thumb and forefinger that are already holding the diaper.
7. Now your hands are free to grab a cover and put it on!
That is it! I hope this is helpful and assuages some one's fears of using prefold diapers!