You're a medical student, so I assume you're at least a reasonably bright guy
, so why let yourself be duped by an industry telling you that in order to be respectable you should borrow money in order to buy their products?
If you're earning and you genuinely like a piece of jewellery, go for it. If not you're just being pressure sold something you can't afford. Imagine you started seeing ads saying that "a really man buys a Ferrari for his wife on her second anniversary" and that dealerships started doing "second anniversary supercar deals", would you find yourself obliged to finance that?