How to Budget Your Shopping Dollars

Dear Budget Fashionista,

I’m working on losing weight and I’m currently saving up money for a new wardrobe once I reach my goal weight, because I’m going to need everything from under garments to shoes to earrings. Is there a certain percentage to spend on each type of clothing?
Answer: Every person is different and for that reason I tell people not to focus on set percentages in regards to what you spend your shopping dollars on. However, to help you out a bit, here’s a general rule of thumb..

Start Here (60-70% of budget):

The Perfect Ten (the list of everything a woman should have in her closet), because these are the building blocks of your wardrobe (the 70% of the 70/30 rule). These ten items convert to over 32 different outfits. Remember to get pieces that fit your body type and personal style. For example, if you have great cleavage, skip the crew neck tee shirts and purchase v-neck tee. If skinny jeans work for you, then score a fierce pair on sale at Old Navy. If you hate skirts, buy a black pants suit.

But save a little money (10- 20% of budget) for this:

Undergarments.  Go to a lingere store or a department store and get fitted for a bra. Purchase at least one, but then search online at sites like or for the name brand/style to see if you can find it for less. Also look for proper undergarments that do not cause a pantyline and purchase a few pair of Assets (The spanx line at Target).

And if you have some left over (5%-10%)..

Purchase some fun accessories at stores like H&M and Forever 21 or use it to buy a great handbag (HYPE and Maxx brands are great fashion-forward brands) or an amazing pair of shoes.


Get more Budget Fashionista


  1. merethekat
You cannot copy the content of this page.