Oh man, I seriously miss all of my cheap jewelery places in the US! I find I just don't LIKE a lot of the stuff here (like at Top Shop), and am not that keen on Accessorize either.
While living in Las Vegas, this was my place -
http://www.francescascollections.com/ (there's a lot more in the store than online).
I just wait until visits to the US to buy jewelery. OR -
My favourite store EVER is Anthropologie (love!), and they've finally opened the first two stores in Europe, in London. Although its pricey, they often have sales and prices get slashed big time. I know this doesn't help ladies not living in London, but its a saving grace for me. All of their jewelry is really unique and made well. They DO have their sale stuff online, but the prices are almost always cheaper in the store itself. They might not be as cheap as something as accessorize, but the stuff lasts....