Not an excuse.....just an explanation.
HeroMachine is this great online character portrait generator. I've used HeroMachine much more as a player than a GM, but the beauty of HeroMachine is the fact that you can save the character's physical parameters as a text string, allowing you the ability to come back in at a later time and load up your creation.
Once you've built your character you can save the text string and then make minor changes, saving the results as another text string. This lets you go back and re-visit the character at a later time and if you know what you are doing, even make character changes by editing the text. Most people will just use the program to make changes though.
Once I'm done I usually do some minor work to create a shadow of the character, lay it out onto a strip, and print it out at the local photo printing place. When you can get a 4x6 for under 20 cents, you can print out a number of high-quality paper minis on the cheap.
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I spent a lot of extra time in Photoshop playing with Balen here....but it was faster than finding a metal or plastic mini I liked, customizing it, and then painting it. A lot cheaper too!