This isn't a tute, but if anyone is curious, here's what I did:
I have a bunch of craft stuff on hand all the time, so the whole project only cost $1.37 plus tax.
I had the sea fabric in my scraps (hooray for scraps!)
I bought a clearance journal for $1.37 and glued an oval of the fabric on like a portal using Modge Podge.
Then I drew a mermaid, cut her out, and painted her with acrylics.
After she dried, I glued her (again using Modge Podge) to the oval, leaving part of her "hanging" out.
I butchered a bracelet for some glass beads and using Sobo glue this time, I squeezed a line of glue around the portal and dropped in the beads.
After the Sobo dried clear, I put on 2 coats of Modge Podge over the whole thing - even over the beads.
When it dried I saw the beads looked a little over Modge Podged and I might choose a smoother cover next time, but overall I liked it.
I gave it the Sadie test...and she said "Ooooh I want one" so I guess it turned out ok :)