You don't have to spend a mortgage or rent payment to have a fresh, updated wardrobe this spring and summer. All you need is a little creativity.

New stylish jewelry will add a fashionable "pop" to your Spring look for 2006.

Necklaces are making the biggest comeback and fashion statement this season. Bold in expression, the most au courant women are wearing them in layers. Metals are back in vogue, so layer them around your neck or your wrist. Adding a few well chosen pieces to your current wardrobe will spice it up and make it look fresh and new again.

Take a peek in your closet for the staples of a great spring 2006 look. Khaki pants and a crisp white button down blouse can provide the starting point of a great outfit. Layer on a multi-strand necklace with the new colors of the season. Try lily green, skyway blue or juicy melon to add a new, happy twist to a simple, neutral outfit.

Take a deep breath for Spring 2006. After several seasons of Color! Color! Color! it's time to relax just a little bit. Color this season is toned down, more muted, not pastels, not brights, but soft nuanced in-between shades.

Jewelry trends for Spring 2006 are about focusing on one statement piece. Select a huge or multi-strand necklace of natural gemstones or an oversized bracelet of luminous beads. Select pieces keeping in mind how their color, mood and style work together with these soft colors. Using jewelry as a focus point when choosing your outfit for the day will help you feel more chic and updated with the new fashion trends without spending a fortune.

Let your jewelry be the center of attention as you walk into the office or go out to dinner afterward. New jewelry styles are often more dynamic and exciting than the latest jacket or fabric. Layering great new jewelry with simple classic clothing staples is the European way and will help stretch your wardrobe dollar further while still looking great. You will feel beautiful, put together and more confident. Jewelry adds a spark of interest to your outfits that people will notice. So, take the time, focus on jewelry that brings your wardrobe into 2006 while making a fashion statement that won't be missed.

Fashion doesn't stop at a new dress or the latest top. Add inspiration to your own unique style through the power of jewelry.