I love jewelry!
Part of being lovely is accessorizing. I've let that part of myself completely slide in the past years, as I didn't think I was worth the occasional bit of frippery. After all, you *have* to put clothes on... you don't necessarily have to put on a bracelet.
You really don't have to spend very much money to accessorize well. I know that the jewelry companies are all about making you think that you have to spend a mint - but you don't. In fact, the best jewelry that I have came from independent jewelers. (Independent crafters are, imo, the wave of the future).
But you don't have to buy the "real stuff" - or at least the "really expensive stuff" to accessorize. You can find fun stuff at Target or at teenybopper stores or... well, keep your eyes open and a price limit in your head. :) I've gotten some great - and heavily complimented - pieces for $5. When shopping, do keep an eye on production quality. You don't want to get something that *looks* like you spent $5!
Accessories are a terrific place to let the parts of your clothing personality that your figure can't quite pull off out of the box. There are no caftans in my future - unless my future includes looking quite pregnant - but I can be a little bohemian if I stack up the bracelets. I think steampunk is clever and cool - but again, corsets to kid-pick-up? Not working for me. I can use a leather/clockwork belt though.
If you've got really basic pieces that fit well and look well on you, accessories, properly used, can change everything!
Oh, and I fell manifestly in love with this yesterday and yes, I want to put it on pinterest, so I'm going to link it. Less than $25, I found it at a Native American store - which was chock full of stunning jewelry. I wasn't going to get it (It was a few dollars more than my usual mental limit for accessories) but my husband laughed at my carrying it around the store and told me to buy it.