http://fiverr.com/organic28
I'm a confirmed Fiverr.com user, both as a member with gigs (check me out here: http://fiverr.com/dragon_lily ) and as a buyer. The link above is to member Organic28, who crafts fantastic little pearl rings. For $5 ($3 shipping) it's a perfectly affordable indulgence any time you feel like it.
See more of her wonderful work at nanasjewelry.com.
