Times are tough... unless you're Jennifer Fisher, jewelry maker to the stars.  (???) She makes bank selling overpriced jewelry to famous people, like KEITH URBAN.  He dropped $950 for a dog tag (slash) key chain.

It's made of sterling silver and has three engraved names:  Keith's, his wife NICOLE and their daughter Sunday.  And there's room for his 5-month-old daughter Faith.  (Here's a photo.)

(Fisher's other big time clients include Sarah Jessica Parker, Jennifer Lopez, Naomi Watts and . . . Liev Schreiber?)