With an embellished t-shirt, you can be fashionable without going over budget.
For this project I used:
1 plain t shirt (an inexpensive craft store t shirt)
Silver star metal studs
Hot fix tool or iron
Begin by cutting the sleeves off at the seam. Cut the seam off the bottom of the shirt and then cut 2 pieces off the bottom 1 inch wide. You can adjust how short you want the shirt to be by cutting more or less of the bottom off. Cut 2 inches off the short end one of the strips and then sew the ends together (you are making the loop smaller). Cut the other strip in half.
Take the 2 smaller strips and fold them in half and mark the middle. Stitch the 2 shorter ends together forming a loop. Using a medium length zig zag stitch or serger, stitch one of these strips, right sides together, to the armhole stretching to so that the halfway mark matches the shoulder seam and back to the starting point. You are tightening up the armhole as you sew the facing on.
Press all seams towards the outside edges.
Hot fix metal studs are available from: