I am really trying not to buy disposable products. It also occurred to me when I was looking for cloth napkins that they were ridiculously expensive. This is how I made my new cloth napkins.
You will need:
Cloth of some sort. I used a black twin sized 100% cotton sheet.
I also used some iron on stars for decorations. You could skip that part, or do something else.
Disclaimer: I am using a really old digital camera, so all the red tones are insane when compared to the reality I normally view.
Step 1: Cut Fabric to size
When I looked up sites that offered cloth napkins, the sizes ranged from 16 to 20 inches square. Since I am using a flat sheet, I found I could fold the sheet in half length wise, and get two 15 inch squares out of that. So that's four across, and however many down I want.
It's your napkin, so make it as big or as small as you need. My whim was motivated by my fabric size.
I just used my rotary cutter, a yardstick, and a cutting mat on the floor. I suppose you could cut or tear the fabric in any fashion. That almost frightens me, as on this site it's not hard to imagine that someone could be using all manner of insane devices to cut the fabric. Experimental use of cutting torches, high power water jets, and whatnot could be employed, and probably are no more dangerous than a rotary cutter in my clumsy hands.