Here’s a how-to from Craft on how to make your own cross-stitch pendant. I was impressed with how great this necklace looks compared to how little work goes into it. You stitch the design, glue it down, and insert it into the frame.
The best part is that you don’t have to stick to the above template, but can make up your own designs and colors to go into the frame. I haven’t wanted to make jewelry in a long time, but I just might make myself one of these… once I figure out where to get the frame pendant to put the cross-stitch in, of course.