Nancy, that's exactly what I did...cut a piece of novelty fabric and added borders. The quilting is not actually stippling, but meandering loops. The pinwheels are quilted with spirals. Nothing fancy.
Dorothy, I love your wool work. I've been bitten by the wool bug this year. The shop where I work offered a Penny Mat a Month in January and I signed up. They are only 8 inches in diameter and stitched by hand. I have them all done except December's.