First, the hat. I found one that fit right at Academy for about $15. Then, Hobby Lobby had their trim 1/2 price, so I bought a roll of black sequins for 1.50, and a bottle of fabric glue.
I wanted a great beach "saying" and my friend who does my nails chose this one.
I just wrote the words in glue on the hat. Then started covering the glue with sequins. If I made a mistake, I quickly cleaned it up with water on a washcloth. Fabric glue dries clear, so you have to be patient. Simple as that - and my beach hat is ready to go.