This is a guest post from Carrie at It’s Frugal Being Green. My own “fashion” is limited to Costco and Goodwill, so it’s difficult for me to offer advice for those who want to dress for success. Carrie has some tips for those who need to be fashionable and still save on clothes.
The spring clothes-shopping season is rapidly approaching, and I’m ready. I have my calendar marked twice a year — once in early February and once in early August — to clean, inventory, and organize my closet. That way, I’m fully prepared to shop wisely when the major spring and fall collections hit the stores.
My strategy
Shopping at sales isn’t effective for me because the low prices lead me to buy things I don’t really like or which don’t fit right. I’d rather pay full price for things I actually love.
I allot 5% of my take home pay for clothes. Five percent each month doesn’t seem like much — but 5% per year is a sizable chunk. By breaking down my clothing budget and adding to my wardrobe only twice a year, I’m able to curb costs and still purchase a variety of useful items. In order to find pants and jackets in tall sizes, I frequently shop online. I may go into a store to try on an item if I’m not sure what size I need, but I avoid buying items in the store for a few reasons.
Placing larger orders less often allows me to take advantage of discounts and free shipping offers with higher minimum purchases. A policy of not shopping in the store significantly limits impulse purchases. And shopping online has the advantage of making it easy to see your total before committing to the purchase — it’s a lot easier to remove an item from an online cart than it is to tell a sales associate I don’t want an item after they’ve already rung it up!
When shopping online, it is critical to understand return policies. Sometimes items arrive not quite as you expect them. I tend to order online from either sites that allow me to return items to a brick-and-mortar location, or from sites that pay for return shipping so that I don’t incur extra costs. Also, make sure you try things on as soon as they arrive; return periods are often limited.
Be prepared
Before I buy anything, I make sure all of my current clothes are cleaned, ironed, and repaired. I also take time to throw out anything beyond repair. Anything that doesn’t fit or no longer suits my style gets donated to charity or auctioned on eBay. Then I make sure everything is put away in an organized manner so I can actually see what I already have. I sort things first by type: pants, sweaters, shirts, shoes, etc; then by situation: casual, work, and dressy; then by color.
Once organized, I can take stock of my wardrobe. With everything in its place and in ready-to-wear condition, it’s easy to see what items I have in abundance and what areas are lacking. If I have any items that I want to wear more often, I can figure out what other items I need to finish the outfit. I can also start thinking about what sorts of items I’ve been wearing most often (these are the types of things I’ll probably want to buy again). And I can plan for seasonal items (swimsuits or coats), special occasions, and utilitarian items like running shoes, workout clothes, and pajamas.
Fashion on a budget
Between now and late February, I’ll start tearing pages out of catalogs when I see an outfit I like. I can try to recreate it with items I already have and see what I need to finish it. When the fat March and September issues of the fashion magazines come out, I can peruse them at the library and see what’s new that I like. I can also start adding items to online carts and wishlists and spend time thinking over my options.
I don’t target specific price points on particular items because I treat my wardrobe as a whole that is greater than the sum of its parts — I’d rather have one quality item that I love and wear often than many that I hardly use. Still, the total price of my orders needs to be within budget, even if that means removing an item at checkout.
By early March, I’ll be ready to place a couple of online orders for a selection of items that I both need and love!
This article is about Clothing, Shopping Saturday, 7th February 2009 (by J.D. Roth)


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February 7th, 2009 at 7:03 am
Thanks for the article, but 5% seems like a lot of money. I’m having trouble convincing my husband I should set aside $50 a month for clothes.
February 7th, 2009 at 7:04 am
I like and use a similar system to yours except for the buying online. I like to try everything on because different manufacturers cut things differently for the same size. And having to return merchandise purchased online is a pain. Slipping a small calculator into your purse, let’s you tally up the total of items before heading to the checkout counter. Especially in this economy, local stores are more likely to have sales, as well. That said, if you live in the boonies, catalogs are sometimes the only option for shopping.
February 7th, 2009 at 7:14 am
5% seems high to me, too. I guess it depends on how fashionable you’d like to be;)
February 7th, 2009 at 7:32 am
We set aside $50 a month for clothes for my husband and myself. To make that work, I mostly wear stuff I find on 75% off clearances, and my husband wears mostly clothes from L.L. Bean that we get with gift cards(we have a gas rewards card that we redeem for L.L. Bean cards).
I’m not a fashion diva, but I have a pretty impressive wardrobe for very, very little money.
February 7th, 2009 at 7:47 am
I think I’m at 2.5-3% of take home. After 401k, taxes, insurance, etc etc.
But I’m saving for a house. Luckily I can wear old jeans and tshirts to work.
February 7th, 2009 at 7:48 am
I just shop at Ross, TJ Maxx, & Marshall’s which are very cheap. Plus, I only buy a few clothes at a time.
February 7th, 2009 at 8:22 am
I agree with commenters that 5% can be too high. Also, a percentage means that as your salary rises, your clothing expenditures rise with it. Add that to the fact that clothing is getting cheaper, and you have some serious clutter potential.
At least I do!
I agree with the poster’s emphasis on quality. A thought-provoking post. thanks.
February 7th, 2009 at 8:45 am
Great post - lots of original tips!
February 7th, 2009 at 8:53 am
I usually buy quality clothing from reputable retailers like Talbots. It’s expensive but the clothing is classic in stlye and lasts for many years. I buy less this way and I don’t have to run around town to look for clothes on sale.
Another rule I have is I change out of work or even casual clothes as soon as I come home. I hang them (or fold them) and put them away. I don’t leave them waded up on the floor or bed to wrinkle. I put on sweats, pajamas, something cheap and warm to do house work, cook, or just lounge. This makes all my clothes last longer.
I also care for my clothes properly. I follow washing instructions to the tee and often do not dry clothing (or dry it for a short period and on low heat) to help it last.
February 7th, 2009 at 8:57 am
I’m afraid up to now, I’ve not been a regular reader of her blog so I don’t know her situation, but depending on one’s job, the 5% may be necessary to cover professional obligations. And, sometimes the degree of professionalism to be maintained, especially if you are “dressing for the job you want”, must be done on a very small salary.
If one’s take-home per year is $42k, at 5% then $2100/year or roughly $1k each for fall/winter, spring/summer. If she lives in a climate with four extremes of temperature, just the outer coats alone would take half that every other year or so…
The percent is relative. The concept of “a” percent, wisely budgeted and kept to over the long term, is wonderful.
In fact, it is very reminiscent of the old domestic science teachings, when women had to budget by material, thread, and buttons.
That percent of the budget for “wardrobe” had to cover everything from corsets to bonnets.
Now it would be interesting to know if her percent also covers maintenance items on clothes like shoe repair and dry cleaning (inescapable for some of us), or at least cleaning for seasonal storage….
February 7th, 2009 at 9:00 am
I love the idea of this post, but I don’t think shopping mostly online is a good idea. Especially for women, it’s almost impossible these days to know how something will fit unless you try it on. The sizes hardly mean anything.
Shopping online also limits you (for the most part) to large chain stores that actually sell online. For me, responsible shopping means saving money by buying less AND supporting locally owned businesses. Without question, the best pieces in my closet are from small, local clothing stores.
I love fashion and clothing design, so I like the idea of spending time with magazines to plan your wardrobe. But the idea of limiting shopping to twice a year seems like a huge challenge to me– almost impossible. I enjoy going out and finding little bargains all year. But I know this leads to wasted money, as much as I enjoy it. So thanks for the challenge!
February 7th, 2009 at 9:10 am
I consider my on-line/catalog clothing purchases an expensive hobby — often I try things on at home and don’t like the fit, color, or something else and return it, and often there’s a charge for that, so it is a sunk cost over going to sales in person….
I’d rather buy something on sale that I like but don’t have to live with forever than buy something for full price that I then feel guilty about if I fall out of love and stop wearing it. In women’s clothing fashions do change — even very classic things like suit jackets. This year, I “Goodwilled” a black wool jacket that was in good shape because the shoulder pads were just too out of fashion for me to be comfortable wearing it; fortunately I hadn’t paid that much for it to begin with and I’ve gotten a lot of use out of it..
February 7th, 2009 at 9:13 am
I should have mentioned earlier that I LOVE the idea of organizing your closet and washing, ironing and putting away all of your clothes before you ever go shopping. This really is brilliant. It reminds me of the note I have in my closet that says, “Own what you have.”It would help you appreciate what you have and see if there really are any gaps in your inventory. And, seriously, after all that work, the thought of buying anything new doesn’t seem like fun because it would just mean having more to wash and iron.
February 7th, 2009 at 9:17 am
This blog is very useful. Sometimes I over spend on clothing but I like how this gives ideas on how not to overspend. I think it is important to follow a budget!
February 7th, 2009 at 9:20 am
I made a resolution to not buy anymore clothes this year (besides underwear and socks). I inventoried my closets and found I have over 50 shirts!! Why do I need that many?? I donated a some of them the re-ironed the rest. I’m good to go now.
What I don’t scrimp on is shoes. If you buy great quality leather shoes with leather soles they will last a lifetime. Just shine them up once a week and have the leather soles replaced when required and you’re good to go. No one has ever said to me my Gucci’s look old and out of style.
February 7th, 2009 at 9:20 am
I also agree with the writer’s emphasis on quality.
Five percent is a little high for me, too, but even keeping quality in mind, it would be fairly easy to tweak her plan for a tighter budget. You can use all of the author’s organizational suggestions so that you know what you have and what you need, but shift your timeline a little bit so that you’re assessing what you have at the END of the current season in addition to what you have for the next one. That way you can take advantage of sales to get useful pieces that you know you’ll need the following year. For this time of year (ie the transition period), look for good-quality basics that you can get for very little money. (Of course, stick to things you need.)
For the new season, take the author’s advice and pay retail for some good-quality pieces that will strengthen your wardrobe and help you make a lot of new outfits. Don’t go crazy - stick to useful pieces that fill gaps in your wardrobe –and don’t make retail shopping your FIRST stop.
Before you try retail outlets or magazines, see if you can fill in some of the clothes on your list at Goodwill. Need a brown skirt? Goodwill (or another thrift store) is a great place to look for that kind of item. (Shirts can be a bit trickier.)
Of course, be picky. There’s always plenty of crap at second-hand stores, but some of my highest quality clothes are from Goodwill (or were cast-offs from friends and family). Sundays are the best days to shop at Goodwill (because they change the sale color and because people tend to drop off new clothes over the weekend).
Hope this helps someone.
February 7th, 2009 at 9:27 am
Good tips. I do something similar, but I tend to pick things up as I find them, sticking to a running list of clothing items that I could use in my wardrobe. I also keep a list for myself at Wishlisting, and often I’ll grow bored of something and remove it. Things that stay for months, I know I really like. Finally, I try to get rid of something whenever I add something to the closet.
For the people saying 5 percent is too high, I don’t think “spend 5 percent” is the point here. I think the point she makes is to stay within your limits, even if you have to put things back. Figure out what percentage works for you and your lifestyle.
February 7th, 2009 at 9:30 am
Very thought-provoking! I haven’t done much shopping online (just once for a pair of shoes), but I definitely “window shop” online, and love her ideas. I’m trying to work on my professional wardrobe, and her methods of inventorying and being up-to-date via fashion clippings (for ideas) is great.
February 7th, 2009 at 9:34 am
If there is a really wealthy area near you, try the thrift shops. You can shop the Southampton Thrifts for all kinds of high fashion. At big discounts, often the clothes are brand new, tags on.
Even Thrift Fashion ain’t cheap though.
The above advice doesn’t really hold for “fashion” purchases. But I’m guessing that the people that are regulars here aren’t buying fashion stuff anyway.
February 7th, 2009 at 9:37 am
5% would be too high for our budget, but I’m a WAHM and don’t need very many nice things. If I was in a professional environment or was very passionate about fashion, I would budget more. Dressing nice for a woman does cost quite a bit, but I appreciate the tips here. There’s a lot of wisdom in them
February 7th, 2009 at 9:46 am
Good point on paying full price on items that you will use than a bargain item you rarely or never use.
Ive heard good things about this site. You tell them what you are looking for - size, brand etc. and they e-mail you when available.
http://www.shopittome.com/
-Charlotte
February 7th, 2009 at 9:50 am
Cabelas and army surplus stores are great for casual clothes, or work clothes depending on your industry.
thrift stores - definitely. In upscale neighborhoods, better finds. goodwill is great but expensive in my neighborhood. $40 for a used, very worn suit is too high for me.
February 7th, 2009 at 10:06 am
I set 60 dollars each for my partner each month. I am not sure when we last spent that much to be honest–but probably when I bought jeans. Yes, I buy nice jeans. I am sure you have heard all the arguments before of why they are better, so I won’t bore you or defend myself, but they do go great with my t-shirts from Target and Goodwill.
Besides that, we actually spend about $50 a month, for both of us, but the budget allows for more, in those months it is necessary.
I would rather spend my discretionary income on furniture and decor (again, which you can find in a thrift store or Craigslist!)
February 7th, 2009 at 10:11 am
I’m a guy who likes to look nice, this is a really good strategy. I often fall in love with a style then fall out of it in a year or two. I may use this strategy whenever I feel the urge to change my look.
-Nate
February 7th, 2009 at 10:24 am
I do think that shopping thrift stores leads to more impulse buying, but it also means you might end up with something you will think is fun!
If you can learn to keep it under control, like JD and his comic books, then wandering through the thrift store doesn’t have to be so stressful. Probably doing what the OP suggested would be a sure cure for it (looking at your wardrobe, cleaning, pressing, etc. before you go shopping).
It is difficult to shop thrift stores if you are looking for a “very specific” item however, unless it is a common one (like a khaki skirt) and you wear a common size.
February 7th, 2009 at 10:37 am
I think 5% of your income for clothing sounds perfectly reasonable. Especially factoring in outerwear and shoes. And underwear/socks. If you can get away with less, good for you. It’s not extravagent though.
Plus — just because you earmark it for clothing, doesn’t mean it has to get spent anytime soon. A smart person would bank it up until they needed it. How cool would it be to get married and already have a tidy sum tucked away for the veil and gown? Or a slush fund if you end up needing a fancy party dress for a special occasion?
If you’re in a professional career, it’s probably a frugal budget. If you’re dividing it between family members it’s probably a very frugal budget. I think clothing is more important than decorating, and I’ll scrimp on decorating first. Clothing is about making a good impression on people.
I usually buy clothing 2x times a year as well — in the fall and in early spring.
Especially if you’re buying off the rack and quality. Personally, I will not shop at thrift stores, and I don’t like the grungy look so I will not shop at surplus stores. It’s my personal choice.
I’d rather shop sales wisely and buy the best quality. For example, I once bought a $200 cashmere sweater reduced to $80 — THAT is the sort of frugal shopping that gets me excited. I bought this sweater 7-8 years ago and I still wear it all the time. I’d rather have that one sweater than several from Wal-Mart or Goodwill. I’d rather have two $100 pairs of shoes from Clarks than five $40 from Payless.
Plus if you buy classic, well made clothing it lasts for several years, then all you have to do is periodically audit your wardrobe and replace worn items. Plus a little extra for a few fun items.
I have a walk-in closet that has only about 40% of the space actually dedicated to clothing. The rest is my linen closet, suitcase storage and my hobby supplies. So it must be working for me.
February 7th, 2009 at 10:56 am
I do the twice a year, professional wardrobe needed, sort of thing.
The thing I have a hard time remembering to do is to “think” of the wardrobe expense in terms of COVERING EVERYTHING. From underwear to weekly pantyhose allowance (I’m sure there’s a guy equivalent). I often err in focusing on outerwear. If I’m not careful, I’ll end up with a bunch of white blouses and only worn dark slips for underneath.
I do not have a shoe thing so only have a moderate collection of shoes several years old. But since I do tend to think of my budget in terms of twice yearly, my house budget gets out of whack eating up shoe repair and dry cleaning when I think, technically, those expenses come under clothes….
Wouldn’t you think? Should one consider budgeting “clothes” and “clothes maintenance” separately or not?
February 7th, 2009 at 11:04 am
In fact, I’m going to be participating in a planning-for-new-year household pow-wow re goals and spending plans and modifications and blah blah blah, later this evening so this is really timely.
Some recent changes in responsibilities make paying particular attention to this area of great importance for both of us as we both have job-specific wardrobe requirements. The other half has to have a certain kind of construction gear that has to be planned for as well.
February 7th, 2009 at 11:45 am
Saving 5% from each month’s paycheck is a lofty goal. I like the concept, but this is a plan I would be more likely to stick to once my debt is paid off. For now, I’m going to attempt to purchase all of my clothing (this year, at least) at local thrift stores. So far, I’ve found some wonderful bargains, and I consider myself to be a fairly trend-conscious person.
February 7th, 2009 at 12:34 pm
Shopping for clothes twice a year seems crazy to me, but I am a man.
I have had the same cold weather jacket for 7 years, it was expensive when I bought it but I have taken care of it, had it dry cleaned and pressed once a year and it still looks sharp.
Sometimes it pays off to pay extra for quality as well as learning how to repair and maintain existing clothes. Learning how to darn socks and shirts has saved me a fortune!
I try to buy items that will always retain style, not be out of fashion in 5 years. My father has several pairs of jeans that he bought in his 20’s, not that they all fit anymore but my brothers and I got a use out of them also!
Once my clothes do reach the end of their lifecycle they become kitchen/garage rags or curlers for my little girls’ hair.
My granny who grow up in WWII rationing that lasted into the 1950’s in Scotland taught me these things and they have saved me a small fortune.
February 7th, 2009 at 12:46 pm
wow Pete, darning socks. I can’t tell you how impressed I am, seriously.
I mean, I’ve read about people doing it in the past but I’ve never actually heard anyone knowing how now except a few sewing shows on PBS.
Cheers!
February 7th, 2009 at 12:53 pm
JD I’d like to hear about your strategy for shopping at Costco. I was just there about an hour ago, and it seems like almost everything in the store is higher than I would pay elsewhere. How do you stay within budget and still shop there?
February 7th, 2009 at 1:40 pm
@Tom
Here’s my strategy for buying clothes at Costco:
I don’t buy much, but when I see something I like, I buy it in more than one color. For example, if there’s a shirt I like, I sometimes buy it in three or even four colors.
I am not a man of fashion.
I don’t shop for clothes in other stores, so I don’t have a good feel for sale prices. I do know that the $15 I spend for shirts at Costco seems to be much lower than the non-sale prices I observe casually in stores. (But again, I don’t really have a good feel.)
Really, though, I like the prices at thrift stores. A couple of new items per year for $5-$8/each make me smile.
Of course, as my Twitter followers know, I recently spent some money for quality shoes. Kris had been after me for a long time to do something about my shoe situation. I finally agreed. I realized I could afford quality shoes, and that I had a need for them, so I capitulated. All the same, we went shopped at an outlet instead of a department store. This let me pick up a couple of nice pairs for less than full price.
I’m beginning to believe it would be smart for me to have at least one nice outfit, though. I have a presentation to 200 financial planners on Tuesday. I have nothing remotely appropriate in my wardrobe. And what about for television interviews and other events? I think one nice outfit would be keen.
But I wonder: could I find what I needed at a thrift store? I’m actually going to try tomorrow afternoon!
February 7th, 2009 at 2:57 pm
Like April @ 17 I keep a list of items that I could use in my wardrobe- currently a smart brown cardigan, pair of jeans, smart trousers.
This list stays in my wallet and I remind myself of it when I am tempted. If I see something I truly like I have to go home and find at least two outfits that it’ll go with, then I’ll consider it, usually I talk myself out of it though.
I also try and only stick to good quality clothing and footwear.
I don’t have a clothing budget though, I operate slightly differently- after rent and savings I give myself $180/15 days for everything- groceries/ lunches out/ clothes/ gifts and hobbies.
February 7th, 2009 at 3:39 pm
Wow. I can only imagine being as organized as Carrie is. Wow.
I don’t know how many times I’ve been bored with my wardrobe and thought that if I “just had $1,000″ to spend I could spiff it right up. (Full disclosure: I only go shopping when my mother or sister drags me along and everything I buy has to last 10 years or so. I am not fashionable.) It’s never occurred to me to follow through and find the money to do it, but with her strategies and techniques I could see that maybe it’s not such a crazy idea.
Thanks for this post - it’s out of the ordinary for you and not a topic I pursue anywhere else and I think it will be very helpful.
February 7th, 2009 at 4:14 pm
@Pete:
Re shopping twice a year. That isn’t necessarily a “whole new wardrobe” kind of thing.
What I do is go through my clothes, weed out stuff that is not worth keeping anymore (doesn’t fit right/doesn’t look good anymore/damaged). Then I identify gaps. Then I shop to fill the gaps. I do this once in the fall and once in the spring. I don’t usually shop for clothes at other times unless something extraordinary has happened.
It almost always involves new shoes because I’m really hard on my shoes. I don’t have very many pairs, and so I wear them out. Usually every spring and fall I end up buying 1-2 new pairs of shoes. I rarely can wear shoes past 1 year. Mostly I wear those “business casual” shoes and sandals that they make on athletic shoe footbeds, so they aren’t really the sort of thing you can repair. I have bad knees and feet so that has an impact on my shoes. I can’t wear high heels and I can’t wear the normal women’s flats that have a thinner sole, which might be repairable. (Well, I could wear normal women’s flats but I’d be half-crippled from pain before the day was through.)
Otherwise it varies. This spring I identified that my workout clothes really needed to be replaced so that was the main thing I purchased. Last fall I knew I really needed a new coat to replace the one I’d been wearing for 10 years. So that was the majority of my fall purchase. Etc.
February 7th, 2009 at 4:18 pm
// JD in #33: But I wonder: could I find what I needed at a thrift store? I’m actually going to try tomorrow afternoon! //
My dad is in a similar career. He really only needs sport coats for occasional formal presentations and interviews. A tie would rarely be appropriate. When I occasionally get him to shop for them (”Dad, that wasn’t in fashion when you wore it to my baptism” or “I know you like it but fraying is unprofessional”) we have 50/50 luck at thrift stores. If you find something good it is REALLY REALLY good but it’s easy to strike out too.
Also, please remember that it’s only a $15-$25 tailoring fee to have the sleeves of a sport coat taken up. If it fits through the shoulders and the waist then buy it and have it tailored a bit. Sleeves seem to be the easiest fix.
Style advice? No double breasted suits or pleated pants. Just too difficult to pull off. A nice single breasted sport coat (no gold buttons, ick!) and a pair of nice flat front khakis or pants, they don’t have to match the coat exactly, is a hard look to get wrong.
February 7th, 2009 at 6:05 pm
// JD in #33: But I wonder: could I find what I needed at a thrift store? I’m actually going to try tomorrow afternoon! //
If you live in or near a larger city, try checking out travel guides for suggestions on discount shopping there. In addition to the Value Village / Salvation Army type stores, they will often list high end consignment stores that tend to sell barely worn designer clothing.
February 7th, 2009 at 6:25 pm
I can’t wait to go clothes shopping, but I’ve promised myself that I would not buy any clothes for 1 year unless I absolutely need to. It’s been 5 months now and I’m going strong. I look forward to buying myself a nice outfit soon. Good post!
February 7th, 2009 at 8:58 pm
Thrift stores are fantastic for me since I have a teenager - she can put together her own outfit that fits her style instead of buying the same tacky ho-gear everybody can find at the mall.
February 7th, 2009 at 9:17 pm
One thing that most people never budget for is nightwear; and yet I’ve found it works better if I do.
These things aren’t exactly cheap. And for years I took a cheap approach. But I would wind up tossing and turning, too hot or too cold or just plain uncomfortable, because I didn’t buy enough, would run out before I could get to the laundry, and wind up in something that wasn’t conducive to sleep.
So I switched my thinking to nice stuff I can wear around the house while blogging, and that serves equally well as comfy nightwear. Okay, I’m not fashionable, but there’s something nice about having a lovely outfit that suits its purpose.
February 7th, 2009 at 10:24 pm
I think I am the odd one out here but I think 5 percent is actually quite low. I know for a fact I would spend waaay more than that. I work in an industry that requires professional dress and I also enjoy looking nice after work or on weekends. To curb some of my spending I have restricted myself to having only 50 items in my wardrobe- all of which I love, a good quality, more on the classic side than fashionable side and all ofwhichbmix and match well. I find that seasonal inventories work well as does buying good quality classic basics (white shirts, black cocktail dressed, jeans) and mixing things up with cheaper accessories or vintage means I rarely look like I’m wearing the same thing too often but still look good and fashionable.
February 8th, 2009 at 6:27 am
I’m closer to J.D.
I’m a list maker, so I try to make a list of the clothes that I need, and then I trim my wardrobe 2x per year. Usually, It’s something like three weeks worth of clothes, because that’s all I ever wear anyway. We like to keep the laundry up to date, and I only wear my favorite clothes when they are clean. It’s hard, but it really frees up my mind.
I usually end up with too many sweatshirts, and too many t-shirts because I get them as gifts. I usually have more dress/work shirts than I need because I will occasionally buy one when I’m shopping for someone else. I have too many coats, but I can’t force myself to get rid of them., so I spread them out into my car, and workplace. They come in handy even in the summer here in Colorado.
I almost always need to buy two new pairs of jeans, and unmentionables.
I have one suit that I haven’t used in a year or so, but it comes out for interviews, and I’m not yet professional enough to have presentations.
I wish my wife would reduce her clothing to a list of clothes that she needs. She spends a lot of time staring at the full closet with despair “all these clothes and nothing to wear”. She doesn’t believe in the shirt + pants = outfit idiom.
February 8th, 2009 at 7:01 am
5% is relative to your take-home salary. If you’re a 20-something intern/ entry level worker aspiring to move up in your career, you probably need to spend a higher percentage of your salary than someone who makes $100K per year and already has a lot of classic pieces in her wardrobe.
I’m inclined to agree with Carrie and Penelope Trunk that it is important to put some money (but not too much money) into clothes that look relatively stylish and flattering.
My two favorite stores are Banana Republic and J Crew– probably too expensive for many of the GRS commentators but the clothes fit me well and look flattering and professional– which I think serves me well in my career and, frankly, makes me feel good about myself. While I am also a big sale shopper for most items (food, appliances or seasonal things), I am more likely to buy clothing early in the season, perhaps with a small discount from a store card that I pay off immediately. I find with sales I am more likely to buy things that are close to, but not exactly what I’m looking for– weird color, doesn’t fit quite right, looks a little frumpy or something else is slightly off. And then the newly-purchased clothing sits in my closet unworn and doesn’t bring me any value.
One of my favorite TV shows is What Not To Wear– and I am always struck by the ENORMOUS wardrobes the nominees have with only one or two items that are actually flattering. The nominees often argue that they can’t afford to go to moderate stores like Banana Republic or to shop non-sales. All I can think is if the nominee had not bought 200 ugly items from the super-discounted sale rack or the thrift store and taken that money and bought 20 flattering items, they would have been so much better off. I think the $5000 [that the nominees get to build their new wardrobe] is a lot of money but most folks could build a good-looking, solid wardrobe from scratch with about $2000. However, the show is pretty educational on how to dress different body types. I appreciate the fact that most of the participants are not model-sized– they have many plus sized women, women who are very short, very tall, broad shoulders and so on. Key tip: it you have trouble finding clothes that fit you exactly, buy the item in one size up and take it to a tailor.
Not that it’s not possible to find good stuff at the thrift store or on a super-discounted sale rack, but it takes a very good eye and a lot of time to find the best things. And also a lot of self-restraint not to buy something that’s close but is a weird color or doesn’t fit quite right. It’s so much easier if you can try something on in multiple sizes or compare several different colors.
I also agree that people forget to factor underwear, accessories, night attire and exercise clothes into their clothing budget. Good bras and foundation garmets are absolutely worth every penny. Accessories and nice shoes can keep a smaller wardrobe looking fresh and can last many year if you look after them right. And if you don’t have the right exercise clothes, it can be a significant barrier to going out and being active.
February 8th, 2009 at 7:52 am
I tend to side with Sakoro. It’s one thing if you’re working at a construction site or are a stay-at-home parent, but there are a fair number of professions where a polished and put-together look is important for being taken seriously, and it’s hard to do that consistently out of Goodwill. I watch BR and J. Crew for sales and I do pretty well out of that (but I am good at resisting the “well, it’s on sale even if it’s not quite perfect” trap).
Well-fitted and supportive undergarments for those of us who are busty are also terribly expensive (and require frequent replacement). But skimp on this step and you just look weird.
February 8th, 2009 at 9:00 am
@Liz and Sakoro:
You’re spot on and make some excellent points. I especially like how you bring up that you can get wierd results relying on the bargain/sales racks.
I also like the point you raised re Penelope Trunk — that it’s good to put a little money into looking stylish. Not too much, not too little. Not faddish, but enough to look crisp and in the present era.
I happen to be high enough in my career that my directors and VPs know me by name. (and I’m in a large corporation of over 30,000 people, so its an accomplishment for them to know me.) We have the latitude to wear jeans (I’m in IT) but it would be career suicide to ever not look pulled together, even if they see me in jeans. It’s not the jeans, it’s making the entire presentation look professional enough with the jeans. Meaning the top part of me needs to be tailored — nice blouses and jackets or sweaters, not anything too frumpy.
Though I wear slacks more than jeans to work anyway.
February 8th, 2009 at 2:23 pm
I think 5% could be a good number, depending on your job. If you are in management or higher, you need to look the part. I personally don’t spend that much on clothes, but I’m also not in a high position at work. That being said, I do buy nice clothes and dress better than my co-workers, because it makes me feel good and because I’m hoping to advance. I do keep my closet cleaned out, I go through it a couple times a year and get rid of stuff. I do take advantage of sales. I’m pretty self-controlled and only buy stuff I want and that fit me well. I recently bought a dress at Banana Republic for less than $20, the original price was $175. I need to have it altered a bit, but that’s it. I would have never bought it at the original price but was so happy to find it on-sale.
I’m also happy to see somebody else organizes their closet the same way I do! Everyone always makes fun of me, but man is it easy to put together an outfit or find what you are looking for.
February 8th, 2009 at 6:55 pm
Nearly all my clothes (except undergarments) come from thrift stores or rummage sales. I love clothes, and get tons of compliments on my wardrobe. I get clothes that I would never be able to afford otherwise. I spend less than 1/2 of one percent of my income on clothing and I look great (in all humility!)
If an item doesn’t work out, I don’t feel guilty because I didn’t pay much for it. I just re-donate it and take the tax writeoff.
It also helps that I have some skill as a seamstress. I rarely make my own clothes since so much good stuff is available that I can easily alter. Much of my wardrobe is (originally) expensive stuff that just needed a simple repair or alteration. Another thing that helps is that I don’t care whether something is “in” or not. If I like it, I wear it. Much of the designer stuff is ugly or weird or only flattering on tall, thin women.
February 9th, 2009 at 4:04 am
Brooks Brothers. Nuff said. For the most part, these clothes are not trendy (they still look ‘in-style’ year after year), require only regular gentle washing (ie. no dry cleaning), and do not require ironing. They also happen to stay brand new looking. The only thing you gotta do is make sure your body shape doesn’t change, otherwise they’ll begin to fit tight or in my case fit loosely. Perhaps their jeans are the only attire piece I wouldn’t recommend since they look like walmart jeans at first glance…so whats the point of buying $80 if they look like they are from walmart?
Its also one of those stores where if you are paying the retail price, you are doing something wrong since there are always ways of finding coupons or using in-store promotions to save money. Its the high level of quality, low level of maintenance, and length of time I expect to wear the clothes that I use to justify spending the extra $10 to $20 per item over purchasing something similar in a department store. Its worth the extra upfront cost to me to save the time spent driving and paying for dry cleaning.
February 9th, 2009 at 4:34 am
A couple of points.
My mom taught me to evaluate clothing purchases by the price per wear. If I buy a quality black suit for $200 that I wear once every two weeks for two years (@50 times) that is $4 a wear. If I pick up a $100 suit on sale that doesn’t really fit me (size or style) and I end up wearing it once every other month for two years that is $8+ a wear and ends up being a more expensive purchase even though it was half price. I use to buy more super sale items at Target and the Gap and just found that I didn’t really wear the bargains.
So I tend to spend more on quality classic clothes, I purchase from just a few companies that I have had good luck with. I try to hit those stores when they are running a sale. I do shop on-line, since I really only buy clothes from a couple of stores I know my sizing and I don’t end up needing to return stuff. I also buy on-line from companies that I can return to the brick and mortar stores.
I also change out of my work clothes and hang them up as soon as I get home which helps me reduce dry cleaning and laundry costs and keep my clothes in better shape.
February 9th, 2009 at 4:53 am
Having a budget for clothes (that covers everything) is a good idea because it stops you spending to much, and also spending too little - or rather not buying clothes that you need because you think you can’t afford them.
5% is probably about right for me as a mid-level person who requires business casual to professional dress in a 3 season climate. Assuming that it covers absolutely everything.
February 9th, 2009 at 6:20 am
My girlfriend and I budget $100 a month for clothes, so $50/each. This is actually way more then we normally spend on a monthly basis. This allows us to build up some money for when we need to get a new coat, or shoes, both of which can be expensive.
I’m trying to lose ~15lbs or so, and am letting the money build up so when I reach my goal I can go buy some new clothes…
February 9th, 2009 at 8:56 am
I have been a long time reader here at GRS. I love the can talk about clothing and budgets. I think this item is very over looked here. * Sorry JD but not everyone words at home on the computer.
Being someone who has always been into fashion I have found that good pieces never really go out of style. If it looks good on you it is always in style.
I spend the money on nice stuff because I use/wear it. I also shop vintage (thrift stores) but the stuff I find there is rare. I have found a man’s suit for 10 dollars. Sure it needed tailoring and dry cleaning but the wear valve is worth it.
My personal opinion is that no matter how much it cost (with the except of things over $500, I can’t afford that) if I love it I buy it. If I am not inlove with the item I don’t bother even if it is only 99 cents.
This keeps me on budget because with fit and sizing finding something I love is harder then finding something cheap or a great deal.
February 9th, 2009 at 9:43 am
I think 5% for a professional woman (or man) is pretty reasonable. And as your salary increases, your wardrobe should begin to include more quality items - which tend to be more expensive - so it likely will not induce a clutter problem.
IMO professionals are selling themselves every day, and it pays to dress “the product” well.
I don’t shop online, but I do limit my shopping to a few stores that carry lines that are in my price range and well made.
I buy a couple of pieces of business wear every month (tops and/or pants), and a new suit a couple of times a year. Since I buy classic suits this works fine since they last more than one year. Casual wear mostly involves jeans and tops that cross over from business wear after a year or two.
I track all of my expenditures in Quicken, and a quick look tells me that I spent 5.4% of my gross income on clothing, including purses, outerwear, underwear, socks, casual and business wear. A bit high, but I had 3 weddings to attend last year, so had to buy a new “nice” outfit for those.
Good article, thanks, I will definitely be doing the “closet fix up” before I go shopping next time!
February 9th, 2009 at 11:57 am
There are a lot more frugal shopping options now a days where you cans till get high quality clothes. H&M is one store that has solid fashion clothes, but for less money. I also do basically all of my clothes shopping at the outlet malls. They have top brands, but for less money.
February 9th, 2009 at 1:08 pm
JD, please get more than one nice outfit! You can afford nice outfits, and you should dress for different kinds of weather.
I suggest a summer-weight suit, a winter-weight suit and some nice sportcoats that you can pair with jeans or khakis.
These can help you look and feel successful when you have to try to impress prospective business associates.
February 9th, 2009 at 5:32 pm
JD - Beth is right, and find a good tailor. Thinking in terms of presentations and on-camera work … in suits, don’t get black. Go with navy or charcoal. Those will work for weddings or funerals as well as formal evenings and professional presentations. In a sport coat, don’t get khaki. A camel houndstooth works great with earth-tones and a tweed will work with everything else. If there’s a Men’s Wearhouse near you, go in and do their free consult and try on a ton of stuff to see what you like!
Oh, and last words: No double-breasted, unless you are over 6 ft tall and under 200 pounds.
February 10th, 2009 at 6:00 am
One tip that allows me to buy more trendy, fun items guilt-free is that I regularly sell items into a local vintage / used clothing shop. I get a lot more for store credit than I do for cash which I use to buy myself something fun. A few times a year usually satisfies my cravings for spending and I don’t lay out cash for it.
The cleaner and more organized my closet is, the more likely I am to wear what I already own. And it also helps to determine what I’m really lacking. I try to have a working list of what I really NEED and then shop for those items in sales, outlets, thrift stores.
I also agree with some of the reader’s tips that buying fewer, but quality staples and dressing them up with cheaper accessories is a great way to make your wardrobe seem bigger.
February 10th, 2009 at 10:46 am
One thing I see missing in all of the comments, has to do with tailoring. For example, two suits I own, one that I bought for $250, and one that I bought for $800, the $250 one is better looking due to one thing only. Tailoring! The tailor did a terrible job on the $800 suit and I can tell.
Spend money on quality natural materials, wools and cottons, and make sure they fit right and lay right on you. A wrinkled suite makes you look like a slob regardless how much you paid for it.
Polished shoes. I am amazed at the people who spend tons of money on clothes yet can’t take 5 minutes to polish their shoes. It makes a difference.
February 11th, 2009 at 9:18 am
One more thing not mentioned regarding your budget is size. If you are not a typical off-the-rack size, shopping becomes much more work. I’m a 16T in most women’s clothes, and wear an 11W in shoes. That immediately knocks out 90% of what’s at the mall at 95% of the thrift shops. Each piece that I buy will have to come from one of a few not-so-cheap retailers and/or require tailoring afterward.
So even if I budget 5% toward clothes, I don’t get as much for it and I have to work a little harder to find it- in ‘real’ stores or online. (Add to that 2 growing 6′ tall teenage girls, and my share of the budget shrinks again ;-})
December 29th, 2009 at 4:59 am
Shopping online is often just the thing I need if I’m looking for a cheaper alternative to an item I find in a store (like a $70 bag instead of that $250 bag in Banana Republic). As a frequent online shopper, I’ve had to deal with the hassle of making returns, but the experience has made me more savvy. Now, I only purchase accessories online (no need to worry about fit), and I pay attention to free shipping specials. As a college kid on a tight budget, I’ve generally managed to make online shopping work for me.
February 20th, 2010 at 7:07 pm
The most important thing is to buy high quality clothing. Whether you buy it on sale or not, it will last longer..much longer, infact, than that super ugly shirt you found at Walmart.
However, being a woman, my weight fluctuates between FOUR different sizes, and I am unfortunate to have a wardrobe that must accomodate a woman from a size 8 to a size 14. This is, of course, expensive and I have not found an answer for it.
I really don’t think men get it. They never will. One pair of shoes won’t cut it nor will one or two pairs of jeans.
I look forward to the day when I have a streamlined wardrobe!