Rosary or fancy chain
 A pin with a loop
 Mother-of-pearl letter beads
 3mm rings
 A clasp and extension chain

To start, thread the mother-of-pearl beads onto the pin, alternating if you wish with metal beads.

Then form the loop on the other side. 

For a harmonious drape, slightly bend the pin to give it a curved shape that will follow your neck.

On each side, connect the chains to the desired length.

To finish, at the ends of the chain, place the clasp and the extension chain.

And there you go! Beautiful creation!