Before you buy jewelry, ask yourself these questions.

Who are you buying the jewelry for?
If you are buying them for yourself, ask yourself why are you buying jewelry.
If you want to buy jewelry as an investment, then yes, go for the best quality diamonds, rubies, sapphires and emeralds you can find. Get gold or platinum, and lock all these in a safe. Maybe you should just buy gold bars and loose diamonds and keep those in a bank vault.
If jewelry is meant to accessorize your outfit, then do you really need precious gemstones? Unless your skin is too sensitive to wear any metal other than platinum, go for silver.
Sterling silver makes a great substitute for platinum in the visual department and it is still a precious metal, though a lot cheaper. It is used in making the very best costume jewelry around.

In the place of diamonds, rubies, emeralds and sapphires, go for cubic zirconia jewelry. These cost a tiny fraction of what those precious gemstones would. On top of that, a large cubic zirconia set in a necklace carries a lot more visual impact and looks a lot more expensive than a tiny diamond that you can barely see.

If you are buying jewelry to enhance your wardrobe, these are the reasons why you should get imitation jewelry rather than buying the real thing.
1. You buy that ring with a gigantic, dazzling rock have money left over to pay the rent.
2. You can buy all the jewelry as you want and still pay the rent.
3. You don't have to worry about snatch thieves stealing your investments. All they get are fake diamonds/sapphires/rubies whatever.
4. You get to wear the one-of-a-kind-exclusive jewelry that A-list celeb wore to the oscars, or something that can be mistaken for those jewels anyway.
5. You can afford to wear the designs from that obscenely expensive jewelry store, or at least designs that people would think came from that jewelry store anyway.

Even if you can afford to buy that multi-million-dollar necklace, you might want to have a replica of it made using cubic zirconia and silver and keep the original in the vault, to avoid being robbed of your investment.

Author's Bio: 

The writer is the webmaster of http://www.cheapestsale.com