This is the thing you need to look for:
I think is little bit outdated regarding the fees.
You do not need to be a programmer to create your (mosaics) on NEM network which would be analogues to the ERC20 on ethereum network.
You could create your mosacis (tokens) manually within a wallet.
I suggest that you try to do that in NanoWallet
For testing purposes is better that you create a test wallet so you could
make tests on test network without having any financial expense.
If your require test XEM you could paste your test address in this thread:
Regarding the successfully or launched icos on NEM network you could check
I hope I helped a bit but some more experienced members could give you more detailed info about that matter.