Great Low-Cost Accessories: When to Spend, When to Save

I'm always in the mood for a deal, but I know you have to pick and choose where to save and where to, well, not. After a LOT of great savings, and just about as many ones that probably should've gone differently, I've become a professional deal hunter! ;) So when you get to the "Scrimp... or Save" problem, you can always check out my list.

(Rita Rainieri Clear Faceted Oval Earrings)

Spend or Save?
Earrings-- Spend

Don't spend money on low quality earrings. Even if you don't have any metal allergies or sensitive skin, higher quality earrings will last a lifetime, and cheap ones won't even last the season. Plus, your ears can easily become red and irritated with cheaper pairs. Unless you must have a trendy set to wear with a specific outfit, save up and buy just one classic pair a year in sterling silver, 18K gold, or hypoallergenic metal.

(Stones and Bead Necklaces)

Spend or Save?
Necklaces-- Save

You can find plenty of great necklaces for little-- just look for semiprecious stones and multiple-strands of beads to prove it! Simple and inexpensive rose quartz or frosted glass can look far more expensive than their true cost. Get a bracelet to match if you can.

(BCBG Girls Pumps, 40% Off)

Spend or Save?
Shoes-- BOTH!

Shoes pound the pavement and can face the elements, so sometimes expensive ones aren't practical. If you live in a climate with adverse weather, salt can affect your shoes even further. However, the cheapest shoes may not be the best buy, either, as the heels may bend under your weight when you're mid-commute.

Look for heels from reliable brands on sale for the best value, and always bring a second pair of shoes for your commute.

(Jennifer Zeuner Love Cutout Ring)

Spend or Save?
Rings-- Spend

You should splash out when you want to buy a ring. Since they usually stay on your finger during handwashing during the day and are often the first thing to be noticed, accessory-wise, you'll be best off with the highest quality you can afford. Plus, who wants a ring that dyes her finger black or green?

(Skinny Floral Scarf)

Spend or Save?
Scarves-- Save

Save money when it comes to scarves-- you'll be happy with what you find. Instead of focusing on the fabric itself, concentrate on the pattern that's trendy this season, such as animal prints or bold florals. No one will notice your brand of choice, and you'll still be completely in style.