Cut chain to appopriate size. Open a jump ring and attach the hook and eye on opposite sides of the chain. Now you have your base bracelet
Now you can make/find charms for your bracelet which you attach with jump rings to the chain.
A quick easy charm to make would be one out of safety pins. Open a safety pin, slide in a few beads, close it up and latch it to the bracelet with a jump ring
Charms can also be made out of fabric. Jump cut two pieces of round fabric, sew them back.to back with thread. You can even stitch a letter out of beads to the front.
to attach this to the bracelet. Use a needle to poke a hole at the top of the fabric charm, then squeeze a jump ring into the hole you've made and then slip it onto the bracelet
Clay charms can also be used.
When you are done, make sure all your jump rings are properly closed and VIOLA!