While there is practically no end to the beautiful things a lady can acquire to fill her jewelry box, there are a few basic pieces that are considered necessities.
Earstuds (or small clips for the unpierced) are an absolute essential. The advantages of this one simple accessory are several. With stud earrings, there is the always fashionable combination of timeless simplicity with a hint of glamor. They can act as an effective focal point, drawing one's eyes upward to the face of the wearer. Also, earstuds offer the least amount of wear or damage, important especially for softer gems such as pearls or opals.
The necklace is definitely next on the list. A properly selected necklace can enhance any outfit from casual to formal, and everything in between. While the material is a matter of taste to a large degree, it might be prudent to own at least one necklace in yellow gold, and another in white gold, sterling silver or platinum, depending on one's budget. See other articles in this section about choosing a length that is right for you, or simply select a mid-length; usually 18-20 inches for women. Various styles of chain are also discussed elsewhere.
Hoop earrings are another accessory that never goes out of style. These can be anything from a simple metal hoop to a jewel encrusted confection. Again, if possible, at least one yellow set and one white set will broaden one's options. As for hoops with gems, channel-set diamonds are always in style, or perhaps the wearer's birthstone would hold greater appeal.
Nothing adds a bit of extra flare to a necklace like a well-matched pendant. While the cost of a fully jeweled necklace can be staggering, a pendant is relatively inexpensive while still displaying a excellent degree of sparkle. With the growing trend of two-tone jewelry (yellow and white gold together), even one pendant can expand one's fashion horizons.
Lastly, the cocktail ring is an important piece to own. It gives that final touch to more formal occasions, or just a "night out with the girls". Bridal jewelry, depending on one's marital status is not always worn in modern times, but a cocktail ring needs no reason to be worn other than at the whim of the wearer. It also seems to create a certain aura of independence.
This article is submitted as a guide only, since the very nature of jewelry and all decisions concerning it lie ultimately with the wearer, and is an expression of their personal style.