I have a friend who always wears the neatest jewelry.  She wears earrings and maybe a necklace or bracelet that match the clothes she’s wearing, and I think that’s partly because she’s an artist and her creativity carries over into her jewelry.  (I usually have on my silver hoop earrings, although I do have several other pairs.  And then I wear my watch, although the battery needs replacing right now, so a lot of days recently the earrings and my wedding rings are it.)  I have another friend who wears neat jewelry too.  One outfit she wears that looks really sharp is a black dress with a pearl necklace.   Jewelry can definitely be a nice accent to an outfit whether it’s a nice, black dress or blue jeans and a shirt.