Clean the silver necklace after you wear it, especially before storage. Squirt a drop of phosphate-free dish soap onto a damp, cotton cloth. Rub the silver necklace with the soapy cloth. Keep rubbing to remove fingerprints and body salts. Use a soft toothbrush (not the one you use for your teeth) to scrub crevices in the silver that you cannot get to with the cloth. Rinse the silver with warm water and buff dry with a clean cotton cloth.
Store the silver necklace in a silver cloth when you are not wearing it. No, the cloth is not actually silver, but it does have a special coating that absorbs the gases that cause tarnish. Don't just throw the silver necklace in your jewelry box unprotected.
Polish your necklace when it begins to lose its luster. While proper storage and cleaning are effective, when it comes to protecting silver jewelry, an occasional polishing is also helpful. Apply a dab of silver polish to a cotton cloth and buff the necklace to a fine shine. Don't skimp on the buffing; the more you buff, the brighter the shine.
To remove tarnish from your silver necklace, prepare a baking soda soak: Line a glass bowl with aluminum foil. Fill the bowl with 2 cups of boiled water and add 2 tbsp. of baking soda. Give the water a swish with your hand and drop your necklace into the bowl. Soak the necklace for two minutes, remove, rinse with warm water and buff dry.
Never polish your silver jewelry with toothpaste. Toothpaste contains abrasives that will mar the silver.
Only use a jewelry polish that specifies it is for use on silver.