Margie - I think a lot of us happened onto this pattern/BOM that is free. It was so cute I had to try it. If you would like to join in, we would love to have you. You are not behind except for the first row, which can be purchased for $3.00, I believe.
Sheila
ETA: Here is the link to the pattern if anyone is interested!
http://www.fatcatpatterns.com/christmas_row_by_row.htm