Homebrew PCBs

I need to terminate some wires to an otherwise all SMT PCB I'm 
designing.

The wires don't naturally have any connectors on them so some sort 
of barrier or terminal strip would be preferred.

Options I've considered:

SMT connectors...haven't found any for just wires.

Terminal strips mounted on underside with pins protruding topside 
for soldering to traces.

PTHs for top mounted terminal strips.

Although the euro style terminal strips look good I haven't tried 
them and haven't seen any with SMT mounting.

Any recommendations?

tnx
jtm