This
http://diegobastet.deviantart.com/ga...18469#/d2euykt
We are blessed with two artists in our group, so one draw the chars in a pose, front and back, in a chibbi cute way and then we paint them on PS (or GIMP, keeping with the theme of frugal), we size them in a program like Inkscape so their bases are D&D sized and arrange them in the right way so we print it on couche paper, cut it, put a transparent kind of tape over it, arrange the figure and put it on a base (we use simple 5 cents erasers...).
It's cute and simple to do. Also it's totally customized. Hah.