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Affordable Fashion Tips To Avoid Credit Card Debt

Fashion often seems like it comes with a hefty price tag. Even for those of us without high fashion aspirations, building a wardrobe can be expensive. Plus, it’s so easy to use a credit card to make those purchases. Avoid credit card debt with these affordable fashion tips.

Follow ACCC's affordable fashion tips to prevent debt.

Follow ACCC’s affordable fashion tips to prevent debt.

5 Affordable Fashion Tips

Whether you need to build up your professional wardrobe, school shopping or land some new personal flare, it takes money. Overspending on clothing can easily lead to credit card debt. But you can determine how much to spend with a budget and a game plan.

Always Have a Clothing Budget

Budget, budget, budget. Every time you want to buy clothes, you need to stay within the budget. If you spend $500 on new clothing but only really have $300, you just spent way beyond your means. And that leads to debt.

Limit Your Wardrobe to One Style or Outfit

I recently read a story about a woman who decided to wear the same outfit to work everyday. She selected one outfit that she loved. Then she bought it in multiples. She avoided lots of overthinking, time and saved money. You could also get a handful of similar outfits to re-imagine this idea.

Spread Out Your Clothing Purchases

Sticking to a budget doesn’t have to be limiting. It simply means you have to be patient. Having a monthly clothing budget is a wonderful thing. It mean you can go shopping. Every month. Yes! All you have to do is stay within your spending limits. It might take you a few months to get everything you want, but you will avoid personal credit card debt.

Regularly Visit Thrift and Consignment Stores

Used clothing can be a terrific money saver. However, it does take some work. Going to these kinds of stores regularly can help you find the right pieces for you. Since sizes, styles and quality fluctuates, it pays to go often.

Start a Clothing Swap Group

Do you have a few friends around your size? Set up a regular clothing swap! Exchanging a few shirts or pants every few months is a great way to change up your wardrobe without spending any money. The more people you have, the more variety there will be.

If you’re struggling to pay off debt, ACCC can help. Schedule a free credit counseling session with us today. 


Michelle is a regular contributor to Talking Cents. She has taken several financial courses on debt management and is ready to circulate what she has learned from them as well as lessons from her own life- family to DIY projects to student loan debt.

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