When it comes to getting dressed for a fancy holiday party, it’s always a safe bet to go for over-the-top, sparkly accessories. But for everyday wear, you want to go a little more subtle and classic than a giant rhinestone collar. When you find the right piece of fine jewelry, it can be worth the splurge, especially if you can justify it by wearing it with everything in your closet. (And if you happen to have a little extra holiday money, there’s no better time than now to get yourself a special necklace or pair of earrings.) The Cut rounded up 22 of our favorites — whether your budget is less than $200 or you’re really looking to spend. Click ahead to see them all.