Cut a long piece of fleece you can use another scarf as your template. The great thing about this ruffled fleece scarf is you can't tell if you don't cut it in a straight line.
Then every 6 in. cut a small slit and run your ribbon through the slits. Have fun with the ribbon you choose: satin, colorful, sheer......
Tie a knot at the end of the ribbon and voila it's finished. You can wear it as loose as you want like the pic. above and it hangs down low. I personally like it tightly around my neck so the full effect of the ruffle is seen!