I had some fun today customizing my iPhone and it was mostly free. You could probably do it totally free, but I did spend $1.99 on a single app.
I'm sure you all know what an iPhone screen generally looks like. I have a 4S. While I did use folders to organize some things, in general:
After 1 free app and 1 paid app, voila!
|Yeah, I downloaded Tamagotchi.|
Safari-http://google.com (or any other link that you like, I actually use msn's home page)