You are free to work in your working directory, which tends to create files, many of which should never touch the repository.
When you want a file to go into the repository, you need a working directory containing the subdirectory that the file will go into. Put the new file in that subdirectory (by saving, moving or copying) of your working directory.
svn add _filename_
Now your SVN working directory knows that this is a new file, just like it knows about the files you've checked out and modified but not yet committed. "svn status" will tell you about them. If you want to you can keep working just in your working directory without touching the repository.
The new file actually goes into the repository when you