We've been charmed by the Banana Republic Gifting Charms Necklace ($30). It's dainty, budget-friendly, and perfect for wearing on the days when we have to wear more conservative business attire. Or hey, even when we're going casual and don't want to load up on big, chunky pieces. Choose from gold and silver--the gold says, "XOXO" and the silver, "Love."
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