Five gem-set watches that won't break the bank.

We get it, ladies; you like your watches sparkly. But unless you’ve got some serious cash stashed away in an offshore Panamanian account (it’s okay, we won’t tell), chances are, most jewel-encrusted timepieces aren’t within reach.

Fortunately, there are actually some gorgeous pieces that likely won’t deplete your life savings (we hope) and are great for everyday wear, with just the right amount of bling. Here are some of our favourites.

MAURICE LACROIX AIKON LADIES 35MM - S$2,800

If you’re not the flashy sort, the AIKON is perfect for you. Elegant and unfussy, this model features a clean stainless steel case—the perfect backdrop for a circle of 36 diamonds on the bezel. A mother-of-pearl dial and diamond-set indices enhance the feminine touch.

RAYMOND WEIL SHINE - S$4,735

Launched in 2005, the Shine collection gets a makeover this year in time for Raymond Weil's 40th anniversary. While the very first models came in slim rectangular cases, the latest version of this quartz-powered timepiece features a glittering 32mm round case set with 49 diamonds. There’s also a unique patented lugs system, which allows you to easily swap the steel bracelet for a satin strap.

TAG HEUER AQUARACER LADY - S$5,100

This is the first year TAG Heuer is introducing a collection of watches made completely from ceramic. And we have to say they are extremely covetable; in particular, the ebony-hued ceramic Aquaracer Lady with a ring of 60 diamonds glittering on the fringe of its bezel. Like the classic Aquaracer, it’s water-resistant up to 300m, has a uni-directional rotating bezel and is engraved with a diver’s helmet on the caseback. But this one is just way sexier.

CHOPARD HAPPY SPORT - S$7,090

Turning on the charm since 1993, Happy Sport is the epitome of free-spirited playfulness. This year, minimalism looks to be the key as seen in this white-on-white model (which also comes with an interchangeable black strap). And as with all Happy Sport watches, the signature moving diamonds inject a sense of fun into the piece.

OMEGA CONSTELLATION MASTER CHRONOMETER SMALL SECONDS - S$9,850

While this watch is the priciest of the lot here, there’s a good reason for that. Not only does this ticker bear the classic good looks of the Constellation, it is also among the first ladies’ watches to earn the Master Chronometer certification, passing eight rigorous tests set by the Swiss Federal Institute of Metrology. Translation: Superb accuracy and performance. There’s also a new small seconds feature at the 9 o’clock position, a diamond-studded bezel and diamond indices in this steel version.