Wondering what jewelry pieces will give you that Old Money aesthetic (without breaking the bank)? I’m sharing how to create the perfect Old Money jewelry capsule that you can wear all year long.
Old Money Jewelry Capsule
As the ‘old money’ trend continues to dominate our social media feeds, I have a strong feeling the popularity of this effortless, quiety-luxury aesthetic will remain strong through 2025. On Style Your Occasion, we’ve covered the art of Old Money dressing, Old Money inspired outfits, Old Money shoes, and Old Money nails, so it only makes sense to cover Old Money-inspired jewelry!
If you are wondering how to infuse this refined charm into your jewelry collection without breaking the bank, you’re in luck! I’ve curated a list of ten must-have jewelry pieces that exude ‘old money’ vibes, complete with both budget-friendly and luxury options.
Let’s get into it.
Classic Diamond Stud Earrings
Nothing says timeless elegance quite like a pair of diamond (or diamond-look) studs. These classic earrings are versatile, effortlessly chic, and can easily elevate any outfit from casual to ‘put-together’. Below are my favorite budget-friendly and splurge options – and you can scroll the carousel above for even more great studs!
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Budget-Friendly: Quince offers stunning 0.5-Carat Lab-Grown Diamond Stud Earrings at just $200, to give you a small splash of brilliance without the hefty price tag. Alternatively, these Mejuri Topaz Studs are less than $60 are have the perfect subtle sparkle and shine.
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Luxury: Quince’s 3-Carat Lab-Grown Diamond Studs are the epitome of classic luxury, offering unparalleled sparkle and craftsmanship.
Pearl Necklace
A single strand of pearls is the quintessential ‘old money’ accessory. It instantly makes me think of Audrey Hepburn’s iconic style, and will always be timeless.
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Budget-Friendly: Mejuri offers this beautiful Paradigm Pearl Necklace made with sterling silver and freshwater pearls at just under $250. Alternatively, I love this Tiny Pearl Necklace that is a little more subtle for only $128.
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Luxury: LAGOS Freshwater Pearl Necklace is made with exceptional quality and has the perfect timeless appeal.
Gold Bangle Bracelet
A simple, sleek gold bangle adds a touch of sophistication and can be worn alone or stacked for a more personalized look.
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Budget-Friendly: This 14k Gold Bangle from Quince is luxurious, but at a great price-point for the quality. It is comparable to luxury brands like Aurate, but for a more affordable price. Alternatively, for less than $70, you can sport this stunning crystal-embellished Kate Spade Hinge Bangle. Or try this Tory Burch bangle for a Cartier vibe for less than $150.
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Luxury: Cartier’s ‘Love’ bracelet in 18k gold is an iconic piece that embodies enduring elegance. If you have this one on your wishlist, don’t forget to browse secondhand options on TheRealReal.
Signet Ring
Once a symbol of family heritage, the signet ring has made a fashionable comeback, and has many different styles I love from classic to a little more sparkly.
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Budget-Friendly: Quince offers this beautiful signet ring in 14k gold with small round diamonds for just under $250. Alternately, this $110 gold vermeil ring from Monica Vinader offers complimentary engraving allowing you to add initials or meaningful symbols.
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Luxury: David Yurman’s gold signet rings, often adorned with gemstones, offer a luxurious take on this classic piece.
Diamond Tennis Bracelet
This continuous line of sparkling diamonds epitomizes grace and can seamlessly transition from day to night.
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Budget-Friendly: This Cubic Zirconia Tennis Bracelet from Nordstrom has a dazzling effect at a more accessible price point (under $100), and I also love this Lab-Grown Sapphire Tennis Bracelet from Mejuri.
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Luxury: Quince’s Diamond Tennis bracelets are gold standard, offering exquisite craftsmanship and brilliance, and are still more affordable than higher-end brands like Blue Nile or Swarvoski.
Precious Stone Ring
A precious stone ring, such as a sapphire and diamond combo or emerald, give a “regal” vibe and adds a luxe pop of color to your jewelry collection.
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Budget-Friendly: This 14K Gold Pave Diamond and Gemstone Band from Quince is subtle yet so stunning, and at a great price point.
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Luxury: Consider a piece inspired by Princess Diana’s iconic engagement ring, featuring a blue sapphire surrounded by diamonds, like this stunning Petite Spencer Ring from Dorsey available in multiple options ranging from $700 to $5k.
Hoop Earrings
Medium-sized gold hoop earrings offer a blend of classic style and modern flair, making them a versatile addition to your jewelry capsule.
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Budget-Friendly: These simple yet stunning Dome Hoops from Mejuri come in at just under $80- but instantly elevate any outfit. I also love these Pavoi hoops from Amazon for vacations and trips where you’ll be in the water.
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Luxury: David Yurman’s 18k gold hoop earrings provide a luxurious twist on this timeless accessory.
Watch w/ Leather Strap
When it comes to that Old Money aesthetic, classic timepiece with a leather strap gives an air of understated luxury. Not to mention, it is a practical addition to any jewelry collection.
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Budget-Friendly: Bulova offers sleek, minimalist watches with genuine leather straps that won’t break the bank, including this Caravelle watch for $100 that has a Cartier vibe! The stunning Bulova Sutton watch is a close second (and it’s on sale!). And, don’t miss this Heaven Mayhem watch with Old Money vibes.
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Luxury: A classic Cartier watch with a leather strap is a timeless investment piece, renowned for its craftsmanship – also, they rarely lose value, so it’s a good investment too!
Classic Watch
A sophisticated timepiece with a metal bracelet combines functionality with elegance, making it a staple in any Old Money jewelry capsule.
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Budget-Friendly: Fossil, BREDA, Tory Burch offer a range of women’s stainless steel bracelet watches that are both stylish and affordable.
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Luxury: Cartier’s Panthère de Cartier watch is a classic choice, known for its timeless design and association with elegance.
Tennis Necklace
A diamond (or diamond-look) tennis necklace, featuring a continuous line of sparkling stones, adds a touch of refined glamour to any outfit.
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Budget-Friendly: Gemsme offers simulated diamond tennis necklaces that provide the classic look without the extravagant cost. I also love this Demi Fine Tennis Necklace from Nordstrom, and this Lab-Grown Sapphire Tennis Necklace from Mejuri if you have a larger budget.
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Luxury: Dorsey’s lab-grown diamond tennis necklaces are so popular for their exquisite craftsmanship and timeless elegance, without the Cartier-esque price.
As you can see, curating an Old Money-inspired jewelry capsule doesn’t require a trust fund or big inheritance—it’s all about selecting timeless, versatile pieces that reflect elegance and quality. Whether you choose budget-friendly options or decide to invest in luxury items, the key is to focus on classic designs that will stand the test of time.
If you loved this article, don’t miss How To Build A Minimalist Jewelry Capsule Collection!
