Jewellery Shopping on a Budget

When economic times are hard it makes sense to plan your budget and not waste money on impulse buys you might later regret. But using your money wisely doesn't mean you have to give up all of life's luxuries.
Take jewellery, for example. Although a new necklace isn't a necessity, with the prices of gold and other precious materials still rising, it could be classed as a worthwhile investment. And if you balance the purchase price against the many years of pleasure a piece of fine

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