A bracelet chain with a clasp
4 jump rings
A shorter string of pearl beads (mine was 10'')
A longer string of pearl beads (mine was 17'')
Step 1: Secure the two strings of pearls with a jump ring at their centers.
Step 2: Fasten one of the ends of the two strings of pearls together with a jump ring, leaving one pearl free on the longer string.
Step 3: Attach the non-clasp end of the bracelet to the longer string of pearls with yet another jump ring.
Step 4: Use the final jump ring to secure the other two ends of the two strings of pearls together, again leaving one pearl free on the longer string. That pearl will hold the clasp to close the necklace.
There you have it! A classy collar necklace to dress up even the simplest t-shirt.