New in the Shop: Braided Chain Accessories Kit!

Pavoi 14K Gold-Plated Freshwater Pearl Necklace

This $35 necklace is dotted with tiny freshwater pearls that lend your look such an elegant feel. The chain itself is more on the choker side, measuring around 14 inches long. This pick looks gorgeous alone, but it's also super easy to layer up with if you have a go-to necklace stack.

KissYan Bubble Letter Necklace

Bubble letter necklaces are very trendy at the moment. Everyone's loving their playful shape, especially in the wake of summertime! This $14 take is placed on a cute beaded chain that comes with a 2-inch extender for finding your perfect fit. This Amazon necklace also makes a fun gift for the ladies in your life since it can be personalized with any letter of the alphabet.

Barzel 18K Gold-Plated Multi Stone Crystal Baguette Necklace

Give us all the color! This $15 chain necklace is crafted with high-shine materials and a variety of little artificial gems for incorporating the entire rainbow into your look. It's available in different chain lengths (16, 18, 20 and 24 inches), plus you can find it in a more pastel color theme if this vibrant one doesn't quite resonate with your personal style.

Nuzon 2-Tone Interlocking Heart Pendant Necklace

The thick chain on this $15 gold piece makes an elegant statement, so much so that you may not have to layer any more chains to complete your outfit. The heart-shaped pendant is fitted with an eye-catching green agate stone, plus this pick flaunts a unique bar clasp that closes up front.

Miabella Bee Medallion Pendant Necklace

This $44 mixed-metal necklace lands around 18 inches, making it a great layering necklace if you like to rock both silver and gold. It's crafted from Italian sterling silver with a thin coating of 18K yellow gold for durability. The subtle hexagonal frame that surrounds the bee medallion hangs from a chic, thin chain.

Funeia 14K Gold-Plated Birthstone Necklace

The dainty charm on this gold-plated pick is so femme, providing a small pop of color. It also has the perfect amount of personal flair, since you can shop it in all 12 birthstones based on your birth month. The box chain part of this design is crafted without nickel or lead, so it's conveniently hypoallergenic for the sensitive skin-havers out there! Layered or not, you'll be reaching for this $10 Amazon necklace every single day.

Lydow Starfish Charm Necklace

This $13 Amazon necklace is beachy AF, and truly an unexpected affordable find. It flaunts charms of starfish, shells, conchs, suns, and turtles to really channel the summer energy! It's made with an adjustable paperclip chain with a 3-inch allowance, so you can play with adding more necklaces to your look.

Foxgirl Gold Initial Necklace

When it comes to looking expensive, a tiny charm is gonna do it every time. This $14 necklace measures around 16 inches with 2-inch extension, making it instantly layer-able. The whole piece, including the sleek, skinny chain, is made from hypoallergenic materials – mainly brass and a 14K gold plate layer for durability.

Kendra Scott Elisa Pendant Necklace

A classic Kendra Scott design, the Elisa Pendant Necklace, is now on sale for $48 (was $55). There are tons of colors and materials to shop on Amazon, too! This pick measures around 15 inches long with a 2-inch extender. Plus, it arrives in a luxe gift box and soft jewelry bag, so it can be prepped and ready for gifting purposes.

Mauzew Dainty Chain Necklace

Someone might mistake this dainty $11 (was $13) chain for a Catbird or Mejuri design, but it's actually much more affordable. The best part is it still gives the same fancy look! Whether you wear it alone or tack on your favorite charm, this 14-inch, tarnish-resistant piece will become an everyday must-have.

Skqir Teardrop Initial Letter Necklace

The teardrop-shaped pendant on this tiny $10 necklace is everything. You can pick the initial letter based on your first or last name, which makes personalizing it so fun. This pick measures 16 inches with a 5-inch extender chain that closes with a lobster clasp. it might be best to avoid moisture of any kind when you wear this necklace to maintain its shine. The shower or pool, or even perfumes may be a no-go.

Heaven Mayhem Tabi Earrings

IMO, Heaven Mayhem is the queen of gold statement earrings! They have so many different styles and options for the classic and chic, cool-girl look! Even THE It-Girl herself, Hailey Bieber, has been seen rocking these beauties lately.

Heaven Mayhem Hoop Earrings

I see these earrings everywhere, and for good reason! They're a great starter pack to gold statement earrings, and they go with every outfit; casual or dressy! After these, you'll be hooked for sure!

Sézane Flora Hoops

I have these in the white, and I wear them to almost any major event, dinner, or wedding that I have because they mix and match with so many different outfits! I get soooo many compliments on them multiple times anytime I go out, so be prepared — they're well-loved!

Open Edit Teardrop Earrings

These are almost identical to the Bottega earrings that went viral last year, worn by Hailey Bieber and so many others. Except these adorable earrings are about $800 less than their designer counterpart, so I would definitely opt for this cheaper, but still chic alternative!

Madewell Chunky Heart Earrings

Madewell does such a great job with their accessories — I've bought multiple items from them with them never really tarnishing. These chunky earrings are perfectly on trend, and at such an affordable price too!

Mango Chunky Stone Earrings

I love these gold statement earrings! The hardware is definitely gold, but the pops of color in the stones bring such a fun element to any outfit. I'd pair these with an otherwise simple dress for date night, matching my bag to one of the four colors in the stones. I can totally see these with a dainty pink purse, or a classic chocolate leather bag.

Jenny Bird Florence Earrings

These were gifted to me, but I'm telling you right now, I've worn them SO much that I would buy them in a heartbeat. In fact, I've already planned to re-purchase them once they show signs of wear, but that's yet to happen after having worn them for nearly a year! They are extremely high quality, durable, and perfect for everyday use!

Coach Carriage Studs

These are giving me all the vintage-vibes with the sweet horse-drawn carriage engraved into them! I love the detailing, and I especially love how affordable they are, given these earrings are Coach. They're simple but are sure to become an everyday pair!

Madewell Pearl Earrings

Pearl and gold together just look phenomenal and so classy! I love these because they aren't as weighty, so they won't feel super heavy on your ears when you wear them, all the while still giving the illusion of more hearty earrings. Definitely perfect for a comfy, cute statement earring!

Heaven Mayhem Wine Earrings

I personally have these and wear them ALL the time! They are the perfect accessory to an all black look. My favorite way to style them is with a chic blazer and jeans with a slicked back bun, and voila! The earrings pack a punch and add some fun to an otherwise simple outfit!

Bauble Bar Flower Earrings

Flower earrings are a great way to make a statement, and I absolutely love Bauble Bar for all of their statement jewelry! They have some other great gold options that are sure to stand out and help add some flair to your outfit!

Sézane Heart Earrings

These gold statement earrings definitely made a statement (see what I did there?) when they went viral on Tiktok! They sold out for a brief moment, but they're available now, so run to grab them while they're still in stock!

Anthropologie Gold Starfish Earrings

Want to be an IRL Princess Ariel?! Then these are the earrings for you! I would definitely grab them if you have any upcoming tropical vacations planned because these would be to-die for during a beach-front dinner!

Petit Moments Dangling Earrings

Dangling earrings are such a moment because they just feel so elegant and extravagant at the same time! Every time I wear earrings like this, it feels like I'm headed off to fancy ball in a gown. And these stunning earrings are made with 18k gold plating, so they're extremely nice quality without all the fully-gold cost.

Sterling Forever Pearl Earrings

The vintage '80s brooch-looking earrings will never be out of style, I'm truly obsessed with them! If you can't thrift them, then I would highly suggest these stunning pearl earrings from Sterling Forever, because they really do look straight out of the '80s! These are the perfect statement piece to any outfit!

1. Talking About Money Can Expose Hidden Feelings

It's impossible to know how someone feels every second of the day, but we probably all think we have a good understanding of the people we're close to. But people are capable of hiding how they feel about something or burying their discomfort until certain situations 'expose' them. Why does it seem like money has a way of doing this?

Both Irwin and Dunlap agree that "money is taboo," leading people to avoid conversations about it. "Data tells us that we are more likely to talk about any other taboo topic—sex, politics, religion, even death—before we’ll talk about money," says Dunlap. West agrees and says, "Money is like that one friend who’s incredibly helpful but totally untrustworthy—everyone likes what they bring to the table, but no one wants to talk about them directly." Did you think of someone specific? It's okay because I did too!

The problem is that money can make "hidden insecurities come out, old sibling rivalries rear their heads," and more, according to West. "Even something like 'who paid for what' can suddenly become a life-or death conversation," she says. It's strange because Irwin says a Wells Fargo study shows that "many Americans across all ages are worried about money," proving we're all thinking about it, despite our avoidance issues.

2. And Money Can Also Create Unease In Conversations

"When we don’t have open conversations about money, we’re left to navigate it on our own, which can keep us feeling underpaid, overworked, or unsure about our financial situation," Dunlap points out. She feels "discussing money requires a huge amount of vulnerability" which "isn't easy for everyone." You may have seen how other topics are swept under the rug by family members or friends based on reasons they're not ready to talk about.

Though Irwin believes saying something like saying, "'Here's what's keeping me up at night' or 'here's what my goals are' could strengthen connections," Dunlap knows that "shame, comparison, or fear of judgement" can cause people to remain tight-lipped about their finances.

If you've experienced a weird moment because of money or had to be the unfortunate witness of an awkward conversation, my apologies. It's not fun no matter who's involved because, unfortunately, "money carries layers of emotions, like pride and insecurity, that turn simple conversations into potential minefields," says West.

Dunlap says there's a silver lining if people are willing to be open, however. "The key is respecting each person’s comfort level, and encouraging openness if they're willing to meet you there. It’s not going to be perfect at first, but by starting to share more about your own financial experiences, you can start to break the cycle of shame and fear around money. You might be surprised at how quickly others are willing to open up too."

3. Making Assumptions About Other’s Money Status And Financial Situation Can Lead To Disrespecting Boundaries

No one's saying you should never lend friends money, but being mindful about the decision is worth noting. West feels "it's complicated" while Dunlap believes the issue "can be tricky." There's a chance a low-key loan becomes an expectation that you should dish out money every time someone needs help, even if you're trying to maintain your own bills. "Lending money to a friend is like sharing your Netflix password—simple in theory, but one wrong move, and things get weird," West forewarns.

Dunlap also says, "When you lend money to someone close to you, there's always the chance that you won’t get it back. You want to be mentally prepared for that! Otherwise, it can strain your finances and your relationship. The emotional toll can be just as heavy, as unpaid loans can lead to resentment or awkwardness." It's not unusual to hear about certain friends being unreliable in more ways than one after you've let them borrow something. Unfortunately, Irwin indicates this happens because some people "don't expect to give something back that they've borrowed."

Because of this, Dunlap thinks "it's best to avoid loans if possible." Should you decide to move forward with helping out a friend who's in a bind, make sure you're both in agreement about repayment and what to expect moving forward. West says "having clear terms" or "gifting a small amount if you can afford it" is like "buying their friendship insurance." The latter is something Dunlap agrees with because it "helps prevent resentment if they can't pay you back as planned." Plus, she feels it also "keeps the loan within an amount you're okay with potentially losing."

4. Lending Money Is A Slippery Slope That Can Lead To Distrust And Resentment

It's amazing how money can lead to a friendship breakup if boundaries aren't created or respected. "Money is a sneaky little devil who can push everyone’s buttons. It can cause resentment if one person feels taken advantage of or someone’s 'casual loan' becomes an epic saga of unpaid IOUs," West says. Not only that, but Dunlap knows "money can strain relationships between friends and family by highlighting differences in how we value it, expect to use it, or feel about sharing it."

Friends and family members shouldn't take each other's kindness for granted, but human nature is fickle at times. That's not an indicator that someone you love is a "bad" person, but they may feel like you owe them your time and money. However, Irwin says this isn't "de facto that that person is entitled." Still, Dunlap is more than aware how this can play out. "For example, it can lead to resentment if one person is always the one picking up the tab, while another might feel uncomfortable or indebted because they’ve been helped financially," she says.

On the other hand, it can show up a little differently in families. She adds, "Issues like unequal inheritance or constant requests for financial help can lead to deep emotional tension. Money can also become a tool for power imbalances, where one person feels in control and the other feels dependent, and that can mess with trust and respect."

When certain negative patterns show up in relationships, it can make people decide to take a step back from being available. "And once distrust settles in, it’s hard to shake; nobody wants to be 'that friend' who’s forever dodging a Venmo request or getting side-eye from relatives at every family BBQ," West points out. How many times have you built up a wall with the people you love because of repeated unreliability or the expectation that you're supposed to help them whenever they ask? If you didn't hesitate to think of a moment, you're living proof that distrust can affect even the closest relationships.

Dunlap says, "When money becomes a main factor in a relationship, it can overshadow the connection, making it difficult to maintain genuine trust and understanding. You can avoid this by having open conversations with friends and family about your financial situation. Clear communication can help keep the focus on the relationship, not the money."

5. You Can Worry You're Not A Good Friend Or Family Member For Setting Money Boundaries

Worrying about how other people feel can keep us from setting boundaries. There's a difference between being an empath and a people pleaser, but it's easy to blur the lines. You can absolutely empathize with someone's hardship while knowing you're not in the position to lend the amount they may be looking for. I'm a huge fan of saying that two things can be true at once — because they can.

Irwin says you need to "address the conversation head on" if a friend does ask you for a loan. Your response may depend on if their ask was "emotionally-charged or "in an uncomfortable environment," but Irwin doesn't recommend ignoring it. If you're not in the space to respond, here's what she suggests saying in a "timely" fashion:

1. "Hey, I need time to think about this. Let me get back to you."
2. "We can help you, but here are our boundaries."
3. "We see and understand you, but we're unable to help because we're trying to pay off debt or save for _______."

Yes, Financial Boundaries Are Essential

Don't think you need to create financial boundaries for yourself and your friends? Think again. West says, "Establishing some ground rules is a lifesaver—think of it adding airbags to the friendship. Setting boundaries early on, like when you’re still in the happy, non-monetary part of the relationship, can protect both sides if things get sticky."

Here's how she advises you proceed with creating boundaries:

1. Keep it light and be honest; you’re not making a prenuptial agreement here, just letting them know you’d like to avoid “financial fireworks” later.
2. Say, “I’m your friend, not your ATM.” It’s funny but helps set the tone that your wallet isn’t a free-for-all.
3. Set a gift cap, such as, "I'm happy to chip in for brunch or a birthday, but let’s not get into home-loan territory.”
4. If you do lend, draw up a repayment plan. Think of it as adulting with a side of accountability to avoid “accidentally” becoming their financial fairy godmother.
5. Limit talk of big financial choices unless you’re genuinely invested together. After all, nobody needs to know how much their friend spends on avocado toast or scented candles, let alone home renos.
6. A little humor and some boundaries go a long way. You’ll save yourself a lot of awkwardness and keep the friendships intact, one “non-loaned” dollar at a time!

Tori says, "It's so important to have transparent conversations about money, set clear boundaries, and ensure that relationships are prioritized in any money exchange." Here are a few things you can try:

1. Communicate about your budget with a “gratitude sandwich.” Say you’re invited to an outing—a dinner, or a sports game—that isn’t within your budget right now. You can respond with the “gratitude sandwich.” The “pieces of bread” are positive, and the “meat” is the money thing you’re scared to say. Thank that person for the invite, let them know it’s not within budget right now, and then offer a cheaper alternative, reassuring them that you’d really love to see them. Offering an alternative reminds that person that declining their invitation isn’t about them, and you still care about them. In doing so, you prioritize your budget AND your relationship in the process.When in doubt, remember that no is a complete sentence. You don’t need to overcomplicate things, and sometimes a simple “no” is all you need.
2. Set expectations early. When planning trips with friends, discuss the budget and how costs will be split upfront. Having these conversations ensures that everyone is on the same page and helps avoid any misunderstandings. It creates a supportive, stress-free environment where everyone can enjoy the experience together without any added worries!

The Final Verdict:

Once you've weighed your options and considered what you need, you can decide to loan your friend money. However, Irwin wants you to consider being formal about it. "You can absolutely draft a promissory note or loan agreement so that your friend knows how serious you are about your boundaries. If you want, you can also put an interest rate on it," she says.

It's not to hurt your friend's feelings, but it is a boundary you can put in place so they think to themselves, "This is truly a loan because I'm borrowing money with the intent to pay it back," Irwin says. It could change the dynamics of your friendship, but it's more about being "purposeful about the language being used" so you and your friend can both move in the "right direction," according to Irwin.

If the idea of creating a 'loan agreement' sounds icky to you, Dunlap wants you to seriously consider it as "an extra bit of protection." She says all you need to do, again, is "try setting up a simple contract to outline repayment terms" because it "can help both of you stay on the same page and avoid misunderstandings down the road."

Her ultimate piece of advice? "Only lend what you're comfortable giving and potentially losing, and keep open communication to maintain trust and respect in the relationship."