Budgets are tight, we know. That’s why Susan's idea is so genius. The Magnabilities starter kit includes a sterling silver chain, round pewter pendant and two interchangeable inserts that are held in place using magnets. Feel like something else? You can swap in a different insert to fit every outfit and mood. We're especially stuck on three of Susan's five-piece collections. The inserts in the Mod collection have a fun, retro feel, while the Graphic collection is all about contemporary colors and patterns. For a more subtle look, the Marbleized collection mimics the natural striations of marble. The possibilities are plentiful, but the cost is not. Who says innovation and style have to be expensive?