Because I did follow the instructions from an issue of Bead and Button - I'm firstly going to link to those very same instructions which you can buy for only $3.95 (pdf file) which I highly recommend: http://www.beadandbutton.com/bnb/default.aspx?c=a&id=680&cc=aNddvt
They're in issue #51 (Oct 2002) and are by Suzanne Golden.
Even if you don't buy & download the tutorial from the Bead and Button site- check out the link anyway, there's a pic with a few more bacelets for inspiration.
If you're comfortable with fringe - then this graphic (painstakenly drawn in photoshop) shows what I did:
First I made a very sturdy strand of seed beads (with a fairly large holes to allow multiple thread passes) - with a loop of beads at one end and a big bead at the other (works as the clasp) - sized to my wrist. Then I just started at the first seed bead and put the 3-branch fringe on it, then put the 3 branch fringe on the next seed bead in line and so on for a really really long time. The shorter your fringe branches are the faster it will go, I think - I made mine quite long before I realized just how much work I had made for myself.
(The key to understanding it is this: if you're working your way from left to right then your thread goes through the seed bead you're putting the fringe on, you go through it, build your fringe and go through it again. In the diagram the thread coming out of the base string seed bead comes out on the right - through all the fringes and then comes down on the left and goes through the bead again, then it would go through the next bead and repeat.)
I hope that is explanation enough - it's not complicated at all once you get going, and it's something you get into a rhythm for... feel free to post questions and thanks to everyone for all the kind compliments; craftster rocks!