with a flat sheet set? 
A decorated, embellished sheet.
I cut a piece off from the shower curtain. Which by the way, I found in West Point Stevens Outlet store and it is all cotton. Then I sewed it to the top of a flat sheeet. I still have some of the curtain left so now I'll get some fusing and cut out some flowers and make a couple of pillow cases with another flat sheet I bought.
If you can see the white pillows, they are European, and no US pillowcases fit them. I'm lucky to have family that goes to Germany and they'll bring back cases. I've also received some great ones from my Mom that I believe she had in her parent's home in Germany. I've actually put this on my to-buy list when DH and I are in Germany next spring.
I'm going to go back to WPS and buy another shower curtain and make a duvet cover. I need to buy another flat sheet, I'm thinking a pinky red (if I can find that colour). I'll cut the shower curtain into fours and sew that onto the sheet. It's perfect because the curtain already has button holes so I don't need to worry about making them.
Now back to Rolodex cards.
