I hope you are having a Happy New Year!
I'm afraid that we don't really have anyone here who adds beads to cloth. I only know how to do all-bead bags (gourd/peyote stitch amulet bags), with no cloth. (It's not something I could explain in the forum though - you'll either want to take a class, or I'd be happy to list some great books, especially if you tell me what kinds of patterns you might be interested in.)
We do stock a few books that offer help for Bead Embroidery (which I think is the official term for what you want to do). You might also be able to find them (or order them from) a local bead or book store.
I find
The Beader's Companion by Judith Durant and Jean Campbell to be quite useful. It doesn't have projects, but shows how to do almost every type of bead stitch I've heard of. This handy book shows a number of ways to do bead embroidery, either by covering an entire item (or section) with beads, or stitching small embellishments like the flowers that are sometimes embellished on blouses and sweaters.
Beadweaving by Ann Benson, also offers some nice ways to make patterns on cloth. Most of these aren't sewn directly onto the cloth. They are stitched onto bead card, and then the bead card is attached to fabric, using fusible webbing. I've never tried this, but it is a popular method for producing detailed patterns.
--Polly