Some wrongly apply 1 Timothy 2:9-10 to mean that women are not allowed to wear jewelry. But that is not what the scripture implies. Please note:
“In like manner also, that women adorn themselves in modest apparel, with shamefacedness and sobriety; not with broided hair, or gold, or pearls, or costly array; But (which becometh women professing godliness) with good works.” I Peter 3:3 also discusses “plaiting the hair.”
These scriptures refer to a Greek custom of intertwining gold strands through the hair. Today, this could be applied to many of the outlandish hairstyle we see. It has nothing to do with women normally braiding their hair.
Further, neither do these scriptures forbid the use of jewelry. Paul is merely condemning the wrong use of clothes and jewelry, not the items themselves. A woman who places her primary emphasis on her physical attire, while neglecting her spiritual character, fails to grow in humbleness.
Many scriptures such as Exodus 3:22 show that God allowed the use of jewelry, where He instructed the Israelites to take away jewels of gold and silver from the Egyptians and to put them on their sons and daughters. In Ezekiel 16:11-13, God says that He figuratively bedecked Israel with earrings, bracelets, a crown and other jewelry.
So, modest use of jewelry is not condemned in the Bible; only such use of jewelry as detracts from a woman’s character should be rejected. Real beauty is in the heart, and radiates outward in modesty, with proper clothing and jewelry of good taste and quality. This is right and proper in God’s sight and reflects the real jewel, which is a humble spirit, a contrite heart and virtuous character.