So after lots of research, I decided on a design for my first one.
Start to finish it probably took me about 30 minutes. And cost was minimal. I used a crib sheet that never fit right (but came in a pack of 3) for the flowers and little pearls for the middle.
I love it, but didn't take into account that she turns 1 at the beginning of the summer and won't fit into the 12 month size for very long.