an ankle bracelet - if money is a problem, you find cute costume ankle bracelets for less than $5 - a step up would be sterling silver - next step would be 10K or 14K gold then you can add a small charm - Teen girls find ankle bracelets to be a cute ...
Have you looked into Precious Metal Clay? It's a clay that, when fired properly, turns into sterling silver. My two favorite jewelry-supply sites are Fire Mountain Gems (yep, and Santa Fe Jewelers Supply Fire Mtn has much more info for a beginner, bu...
Sterling silver goes nice with a white shirt. So I would say sterling silver floating heart necklace and some sterling silver small hoop earrings. Don't overdo it. Plain and simple is more elegant and feminine looking.