From V-necks, turtlenecks and strapless tops to pendants, chokers and statement bibs, the perfect cut and jewels are a match made in sartorial heaven. No need to stress, we did all the pairing for you. And even better, the necklaces are less than $60 (and one even starts at just $13 bucks)!

Dorothy Perkins Sequin and Beaded Necklace ($25,

Up the ante on a collared, button-down chambray or silk shirt with a bib necklace. The gold chain rests comfortably behind the collar while the sequin and beaded bib makes a statement nestled underneath the collar.

Crystal and Woven Necklace ($25, for stores)

The woven portion sits right below your neck and the gems form a perfect shape to compliment a V-neck top or frock. At less than $30, this designer piece is the epitome of luxe for less.

Sole Society Suede and Chain Tassel Necklace ($30,

A loose fitting top or chunky sweater pairs well with this 50-inch long chain. Hitting right at the navel, it’s best suited for a simple, button-free shirt.

Tildon Teardrop Necklace ($38,

Few necklines won’t work with this, and the iridescent stones add some much needed color to a neutral wardrobe.

Forever 21 Opulent Faux Pearl and Chain Choker ($13,

Chokers were a ’90s staple, and they’re here again. Instead of completely buttoning a blouse, leave the top button undone and let the pearls and chain peek through.

Double Up Necklace ($55,

One of the trickiest necklines may just be the turtleneck, but it’s easier than you think. Opt for a necklace that has some hang time, and bring on the drama of layered chains to offset the stuffiness of a turtleneck.

Kate Spade New York Monogram Pendant Necklace ($58,

The draped fold of a cowl neck top or dress is so subtle that it needs an equally delicate partner. A simple pendant chain keeps things clean and simple without overshadowing the garment.

Stone Layered Necklace ($49,

Let this intricate crystal stunner really shine against a solid, yet bold-hued crew or scoop neck. Throwing this on is the quickest way to take a jeans and T-shirt kind of day from boring to suddenly chic.

Prima Donna Arabella Bract Bib Emerald ($17,

A strapless cocktail dress should be in every woman’s arsenal, and you can’t forget the finishing touch of a necklace that lies right below your collarbone but above the frock.

H&M Four-strand Necklace ($15,

Figuring out exactly how to layer necklaces can be tricky, but this one does all the work for you. The four strands are varying lengths, with details like a pendant and rhinestones. You can rock this with practically anything.

—Patrice J. Williams

Patrice J. Williams is a NYC-based writer and on-air style expert behind Looking Fly on a Dime. She has appeared on the Today Show, Nate Berkus Show and WE tv where she dishes on fashionable solutions for those who want to look their best without blowing their budget. Her motto is your style is never determined by your wallet. Follow Patrice on Twitter and Instagram for daily style inspiration.