Layered Gold Necklaces

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A dainty gold and diamond necklace is a classy wardrobe staple. Using my fancy fashion math skills, three diamond necklaces in white, rose and yellow gold should be triple sophisticated, right? I love the sleek bezel setting of these necklaces by Trio by Effy. This is a complete fantasy because the 16" chains are nearly $1600 a piece and the 36" is over $3,700 per chain. Hahaha! (And this is why I buy all my gold at second-hand stores.)

For a more affordable option, Max & Chloe has a ball chain necklace with one small diamond pendant also available in three gold colors. The solid gold chains are $450 a piece, and the gold plated ones are $125 ($108 for sterling silver).

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