The 3 items together cost 3 × the average. The $60 average and $49 bracelet are given; the $180 total is worked out. Take out the two bracelets to leave the necklace.
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• Total of 3 items → 3 × $60 = $180
• 2 bracelets → 2 × $49 = $98
• Necklace → $180 − $98 = $82
The necklace cost $82.
Check: ($82 + $49 + $49) ÷ 3 = $180 ÷ 3 = $60. ✓