Why is it so much harder to spend your money on jewelry than bags/shoes/etc.?

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I love bags and jewelry.... swing between very glitzy to sterling and vintage/estate .... I usually wear black (or neutrals like grey or purple) so that I don't have to think much about what jewelry I can wear... To me, it's all about accessories - bags and jewels! I wish more women would have fun with jewelry and wear it more often. It doesn't have to be a big statement piece or a designer item - just something that you think is fun or meaningful, for whatever reasons, and that brightens up your outfit...
 
My problem is that I like big, chunky pieces and they are insanely expensive when you start looking at gold, plat and diamonds! I love Stephen Dweck, J. Ripka and M. Dawkins pieces, however I'd be afraid I'd lose them - I'm careful, but have a busy life w/ travel and every now and then something goes missing. Thankfully, I also love Sterling Silver and have some great chunky pieces w/ stones that weren't expensive - other than my wedding rings which are very nice, I have few expensive pieces.
 
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