I've been in a bit of a pickle. I'm working in real estate full time now and I need nice “work clothes.” But three years post-partum and post-pandemic and I hate everything I used to wear. Not that any of it fits, anyway. So, I decided to come back to this classic post and give it an update. Because back in the day I used to be a bit of a savant at buying trendy work clothes on a budget, and designer ones at that. I wanted to see if mama still “got it” when it came to savvy shopping. As it turns out, yes, yes, I do.
Below are the tips I use to almost never pay full price for the clothes I buy and to get more of the good, designer-quality stuff for less.
My Budget Fashion Philosophy
If you're a longtime reader, you know my shopping past is a bit, well, checkered. I had a shopping addiction in college, and I still struggle with the impulse to shop as a mechanism to soothe myself. After loads of self-work, I realized my shopping addiction was unhealthy in a lot of ways.
- First, because I spent money on fast fashion.
- Second, because I still kept buying things I really couldn't afford.
- Third, I bought items that really didn't last or spark joy for me.
After years of being a conscious consumer, I will say that I don't think you can change your champagne tastes. You like what you like. This post isn't about shaming you about what kind of clothing you want to wear or why you want to wear it.
A Burberry top is 20x the price of a Forever 21 top. It will also last 20x longer. If you are a healthy shopper and don't have a legitimate addiction, shopping isn't the enemy. Fast fashion is. Instead of using energy to consume, consume, consume because it feels good, I apply that energy to get the lowest price possible on the exact item I want, and I scour for the quality clothing I know will last.
How to Buy Trendy Work Clothes on a Budget: Tips & Tricks
Tip #1 – DO NOT buy all these items of clothing in one swoop. (I didn't.)
It took me YEARS to build up a workwear closet. In the meantime, get a $20 white T-shirt instead of a $200 one. But look for high-quality investment pieces and be OK with spending a bit more as your budget allows.
With that said, don't feel you have to spend thousands and thousands of dollars in one year on designer clothes (unless you have a crazy massive salary where that amount equals 5% of your take-home pay). This post is meant to show you how to invest in a wardrobe over time, so you can add key pieces year after year.
It took me three years to amass 75% of this list, and (as you'll see) I'm still working on a few final items. That's part of the fun!
Tip #2 – Go for quality over quantity.
And go for items you can dress up for events. It's easier to dress something up than down. Also, investing in “dressier” items for work means they'll last for years. Good staple pieces intended for the business casual workplace don't change as often as trendier items, you can cycle them in and out with your seasonal buys, and if you invest in staples they will work for you year after year.
Obviously, each season you'll want to get new T-shirts, a swimsuit, and a great pair of sneakers. You know, the fun stuff you rotate in each season. This is not that post. Here we are focusing on key pieces for your foundational work wardrobe – the workhorses that are going to last for the next five or 10 years or beyond, no matter how much the fads change.
While this may seem expensive or boring, I promise that in the end, you will end up saving money because you won't have to replace cheap clothes year after year.
Tip #3 – Buy with the ability to mix and match in mind
Capsule wardrobes are popular for a reason. There's a great deal of power in always having something on hand for any occasion, in a single color palette, and knowing you could throw something great together in a pinch.
I never felt this way back when I was shopping in fast fashion, which led me to the cycle of always having to buy more and more because nothing ever felt quite right.
You don't need more clothes. You need better clothes. (I will say this over and over again!)
How did I come up with the guide to what to buy?
Here are a few of the articles I used to put together my own personal “hit list” of what I needed for a great foundational work wardrobe.
- The everygirl's minimalist workwear wardrobe
- 50 Simple Pieces for Building a Classic Wardrobe [The Cut]
- The Real Simple Guide for How to Build a Wardrobe [Real Simple]
- The 12 Wardrobe Essentials Every Woman Needs [StitchFix]
- 30 Fashion Staples to Own by 30 [Elle]
These are excellent articles, but they don't tell you how to get really great brands for less, which is where my guide fits in.
Trendy Work Clothes on a Budget: My Shopping List
- Black or navy suit
Maybe your office isn't really a suit-type place. Doesn't matter.
Suits are great to have in your wardrobe because you can split and wear them as separates and then pull them together in a jiffy when you need them. You can wear suits for job interviews, formal events and funerals. I like to throw the blazers on over jeans for work, brunch, baby showers, whatever.
What I Bought – (Retail: $2,343 / I paid $515)
Black Armani single-breasted blazer – Purchased from Rue La La (Retails currently for $1,048 / I paid $320 BRAND NEW).
Black silk pants – Purchased from Thred Up (Retail: $1,295 / I paid $195)
- Long-sleeve white top with collar
- Short-sleeve white top with collar
- Sleeveless cream blouse
- Colorful silk shirt
Yes, you will need more tops than this in your closet. But these are the ones I'm highlighting as foundational/basic pieces for your wardrobe. You may be surprised by how many outfits you're able to make with just a handful of neutral-colored tops.
Looking to invest in a few more? I'd stay with neutral colors, such as navy, black and gray. Those never go out of style.
What I Bought – (Retail: $1,383 / I Paid: $362)
Long-sleeve white top – Burberry (Retail: $188 / I paid $188. Purchased from Nordstrom). This is the one item on the list I paid FULL PRICE for because I loved it so much, it went with everything I own and I wear it 900 times a year.
Short-sleeve white top – Theory (Retail: $195 / I paid $50. Purchased from The Real Real)
Cream blouse – Narcisco Rodriguez (Retail: $850 /I paid $64 because I snagged this little number from ThredUp.) It was gently used but a great deal, and the condition was very good.
Colorful silk shirt – Rag & Bone (Retail: ~$150/I'll pay $60). Y'all, this still has the TAGS ON. I haven't found a shirt like this for my wardrobe yet, but can you imagine all the possibilities? Wear it with pants or a pencil skirt for work, or with jeans for date night on the weekend. This is such a versatile piece, and adding a color keeps your wardrobe from getting too stale.
- One black crop trouser (can work in warm and cold months)
- One pair of nice jeans
- One high-waist trouser in non-black/gray/blue (for variety)
What I Bought – (Retail: $858 / I paid: $180)
Black crop pant – Tory Burch (Retail: $188 / I paid $45 plus shipping NWT (new with tags) on eBay). I don't have a photo of the exact item, but here is a dead ringer I found on the TJ Maxx website.
Really nice jeans – J.Brand (Retail: $275 / I paid $50 lightly used. Bought from The Real Real.) The website listed them as in pristine condition, and that's how they came!
High-waist trousers – Rebecca Taylor (Retail: $395 / I'll pay $85.) I haven't bought these yet, but I would buy this $85 NWT option from The Real Real.
Joggers for working from home or work-appropriate in black. Perfection. Bought from Nordstrom.
- Nude/white heels
- Black heels
- Nude flats
- Black flats
- Rain boots
- White sneakers
What I Bought – (Retail: $1,583/ I Paid: $410)
Nude heels – Neiman Marcus (Retail: $238 / I paid $57 and bought from ThredUp). They came in brand-new condition. No scuffs or wear on the bottom, nothing!
Black heels – IRO (Retail: $390 / I paid $77.99, again in brand-new condition from ThredUp).
Nude flats – Jimmy Choo (Retail: $595 / I paid: $145. Scored for a steal on TheRealReal). These came unworn but were marked for some kind of tag sale, so the bottoms were marked through with a pen. The shoe didn’t look new on the inside, but it did on the outside.
Black flats – Margaux (Retail $145 / I paid: $0). Full disclosure, I got these flats as part of a sponsored collaboration I did last Christmas. These are expensive for flats but well worth the expense. They're probably some of the most well-made shoes I've ever owned, and I'm including my Jimmy Choos and Stuart Weitzmans in that mix. Everyone needs a great pair of black flats.
I also mention these here because I want to encourage everyone to be creative. Even if you're not an influencer, try doing a clothing swap with friends or shopping estate sales or a thrift store for designer finds.
Rain boots – Hunter (Retail $140 / I paid $95). This was a gently used pair I scored (again) from my bae, TheRealReal. They were lightly used, but I only wear them maybe one or two months of the year during heavy rain season.
White sneakers – (Retail $74.95 / I paid $34.97). I bought these on sale from Nordstrom Rack, but Nordstrom also has good deals on white sneakers. I wouldn't pay a ton for this staple because they can get dirty very easily and you'll wear them a lot. Invest in a medium-low brand, and more importantly, make sure they're comfortable!
- Denim jacket
- Camel (or black) overcoat
- Trench coat
What I bought – (Retail: $2,368 / I'll pay: $483)
Denim jacket – (Retail $79 / I paid $0)
Camel coat – TopShop (Retail $99/ I paid $57.99). I scooped this up during a Nordstrom Black Friday sale. If you wait until November or July to shop for clothing on your list, you'll score the deepest discounts because these are the two biggest retail times of the year. The coat below is shown in black (the only photo I could find), but mine is a camel color and it is the one you want. Somehow, it's chicer than black and goes with even more than black does. Ha!
Trench – Burberry (Retail: ~$2,190 / I'll pay $425). I'm dying to have a Burberry trench. This and the LBD (little black dress) are the two biggest items on my The Real Real wish list right now. This one doesn't have tags, but I'm looking to invest in the quality of the item, not the label/size tag, so I'm OK with it being gently used. These are often in neutral colors, so if I can find one less of a “camel” and more “white,” I'm into that.
- Little black dress
- Little white dress
Everyone needs a “goes with everything,” “dresses up and down” little black dress. You need one in white as well for the summer months! Just these two, and you should be set for whatever event comes your way.
What I Bought – (Retail: $1,197 / I'll pay $380)
Little black dress – DVF (Retail: ~ $498/ I'll pay $180). I haven't managed to find one I like yet, but I do have my eye on this NWT option from The Real Real. I love the figure flattery (and forgiveness) of a nice wrap dress.
- Little white dress – You can't wear an LBD in the summer. For one, it's just too effing hot. And most LBD options come in non-summer-friendly fabrics, such as crepe or wool. Get an LWD (little white dress) to round out your wardrobe.
How to Shop for Clothes Budget: The Ultimate FAQ
Where are the best places to shop for trendy clothes on a budget?
Where do I like to shop? Let me tell you.
- Nordstrom Rack
- Rue LaLa
- The Real Real
- Rent the Runway – (I rent, but I also buy what I like secondhand or shop their sales)
The name of the game is getting designer clothes at the lowest price point possible. The retailers above offer great options. And I like buying second-hand because it is more sustainable and friendlier to our planet. When I want something new, I like brands like J.Crew, Abercrombie,
I listed where I bought each item below. These are the discount clothing stores I have in my rotation. You have to search early and often, but it's worth it and it's easy to do shopping online.
How do I build a wardrobe?
First, think about what you need in your closet.
Do you need basics, such as jeans and T-shirts? Long-sleeve shirts because you just moved to a place that experiences a real winter?
When building a wardrobe for any season, I first take an inventory of my current closet to get a sense of what I need. Then I think about any events I have coming up, such as a wedding, a big trip or another special occasion, and add that to my list. Then I shop! This keeps me from overbuying and makes me focus on affordable clothing that will integrate well with what I already have.
Second, think in terms of “price per wear.”
I always keep a quick rule of thumb in my head. Instead of thinking about the price on the tag, I consider how many times I'll reasonably wear the item, which takes the sting out of paying a higher dollar amount for a piece of clothing.
How do I dress fashionably?
If dressing fashionably isn't something that comes naturally to you, don't be afraid to copy fashion bloggers or influencers on Instagram who has a style you adore. After studying a fashion blog or two, over time you'll be able to visualize outfit inspiration and see what pieces might work for you, your body type and what you already have in your closet. Fashion influencers are also great for highlighting trendy pieces that look great but don't cost a lot.
But being “fashionable” isn't about copying someone else's style or always wearing the latest trend just because it's a “thing.” Being fashionable is about wearing what you like, what you feel confident in and what works for you.
I know many people use Pinterest for fashion inspiration, but I really leveled up my fashion game once I started using the Finery and Like to Know It apps. They make it so easy to compile looks and save items you see on blogs that you might like to earmark for future purchases.
How do I build a dream wardrobe?
You build a dream wardrobe in much the same way as you build your dream life.
- Figure out what it is you want.
- Figure out how much what you want costs.
- Set a goal for how to save to pay for it.
- Rinse, repeat.
I will say it's important to try new things, but often with wardrobe building, it makes sense to stick to retailers you know and like, who carry the clothes you like. The internet can be so overwhelming, it's nice to have a few “go-to” stores you can shop first when looking for something specific, before worrying about if that item from (X store you've never heard of) will work for you.
How do I get a new wardrobe within my clothing budget?
I'm not saying only spend your money on investment items and ignore fun pieces. It's all a balance. The best way to shop for quality clothes on a budget is to make a list of what you need/want and then figure out a rough price per item.
If it's something trendy, such as a leopard-print shirt that may not be “en vogue” in a few years, perhaps you wouldn't spend as much as you would on a fantastic pair of jeans you'll wear 50 weeks out of the year.
The best part about investing in basics is that each year your closet gets bigger, not smaller. It gets bigger because you're buying more investment pieces that last and because the trend pieces can mix better with a large backdrop of basics to play with.
So, for example, say I have $600 to spend twice a year.
- I know I'll need another pair of black booties (because I wore my old ones out), a new rain jacket and yoga shorts. I also want a second pair of snake-print booties, which are very trendy right now.
- I'll take $600 and divide by four to get $150, which is about what I can spend on each item (ish).
- But if I know the yoga shorts are only going to be about $35 each, I can buy two pairs and put the rest back into the budget.
The article above details real pieces I bought and own in my closet and how I bought a $9,700 designer wardrobe for $2,330, a savings of over 75%. Since this website is all about living your best life (and living it for less), I wanted to show step-by-step how to shop for clothes on a budget and how I get great discounts on designer clothes.
Lauren Bowling is the creator of Financial Best Life. Writing about money since 2012 (formerly as L Bee and the Money Tree), Bowling is an award-winning blogger and money and real estate expert whose advice has been featured on CNBC, Forbes, CNNMoney, Elite Daily, Business Insider, Redbook, and Woman’s Day Magazine and more. After selling the site to a division of The Motley Fool in 2019, Bowling is now back as the owner and primary voice behind FBL and is excited to continue educating elder millennials everywhere about how to afford their best life.