Azalea - have you tried AVON? I wouldn't overlook them....I have AVON pieces from the early 1980's that are still going strong.
They have real gemstones, sterling silver, diamonds, etc....
AVON has prices that you can afford - and when they have a sale - they have a sale!!!
Our Ethnic Beauty Editor is an AVON lady... I have ordered form her site and the shipping is only $3!! That is a bargain in itself nowdays..
www.youravon.com/gdooley