Now ingame you can purchase some jewels from a vendor. I DO NOT RECOMMEND YOU DO THAT. The vendor jewels have a chance to DESTROY your gear.
The ingame NPC jewels are fantastic for getting gear to +1 and can usually be done somewhere between 6-10 jewels to get just that +1.
For anything higher, I would always just go for Cash Shop jewels.
Don't worry about the jewels destroying your gear though - only the advanced Jewels for +7 to +12 have a chance of doing that and I'd really not be wanting to use NPC jewels on anything I've managed to get to +6.
For any gear you use for questing & levelling up, that +1 is the tiny bit extra that is useful. Only if you want to start doing instance runs will you need to consider purchasing the jewels from the Shop.
Currently, I'm still levelling myself up & so I'm just making my gear +1. I have got a nice staff though (Root of Nightmares) and made it +6 to quest with.