Skin tone is not the colour of your skin, this can change depending on exposure to the sun but the undertones will always be the same. Skin tone is divided into three categories. Warm, Cool and Neutral. This undertone will determine what colours will look good on you. Most ladies will be familiar with the concept when buying make up, specifically foundation. This applies to everything from make up to clothes but we are going to focus on jewellery because well, that’s what we do!