Okay, here's a quickie tutorial using a 5" charm square.
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Step #1: Draw a 4-1/2" circle on the non-shiny side of freezer paper, and cut the circle out.
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Step #2: Lay the freezer paper circle SHINY SIDE UP on top of the WRONG side of the charm square. Trim off the corners of the charm square to take away some of the bulk.
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Step #3: Iron the edges of the charm square, folding them over onto the freezer paper, which, again, should be SHINY SIDE UP. The edges will stick to the paper, keeping them folded over.
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Step #4: Dab a bit of Elmer's School Glue along the edges of the circle.
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Step #5: Place the circle in the center of a 6-1/2" square of fabric, and iron it. This will dry the glue quickly, so the circle will stay in place without needing to use pins.
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Step #6: Stitch around the very edge of the circle, as close to the edge as you can get. I used a straight stitch, but you can use whatever stitch you want as long as it secures the circle to the square. You can also hand-applique' it, if you want.
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Here is the sewn circle.
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Step #7: Cut the 6-1/2" square vertically and horizontally, making four 3-1/4" squares.
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Step #8: Tear away the freezer paper and discard it.
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Step #9: You can trim this flap of fabric away if you want, leaving 1/4" seam allowance. I just left mine as is. Either way is fine.
One more step to follow. It'll only let me post 10 photos at a time.