Simplicity pays. The most versatile clothes are usually simple—well-cut pants or skirts and plain shirts and T-shirts.

For all seasons. Try to choose fabrics that can take you through different seasons. Soft and crisp cottons, lightweight wool, soft knits, silk and fabrics with a hint of stretch will all work well across the seasons.

Sartorial style. A good tailored suit may cost a little more initially but it will last for ages and you can add variation by wearing it with different jackets and pants.

Basic black. You can never go wrong by having a good-quality black suit. Add some style by wearing different scarves, necklaces, belts and brooches. Even just changing the colour of the shirt or blouse you wear with it can significantly alter the look.

Common Mistakes

We’ve all paid money, and sometimes too much, on clothes that we never or seldom wear. Here are some tips on how to avoid this potentially costly faux pas.

Resist a sale. It can be hard to walk by a sign that says “50% to 75% off everything.” Drop in if you like, but if you don’t normally shop there, it may be because you don’t generally like their fashions. If you do find an article of interest, make sure it’s something you really want—a white blouse with front ruffles for $15 is a great price, but not if your style is simple and tailored.

Also, make sure it’s something you need. That crisp, white, tailored shirt may be a great bargain, but not if you have one or two already.

Shop alone. It’s fun to shop with friends, but it’s easy for someone else to tell you how to spend your money. All too often, we’re influenced by the other person’s taste, and encouraged to “branch out” for a different look. But remember, it’s their look, not yours, so don’t let someone else, sales staff included, convince you that something looks good if it’s just not you.

Boxing Day blues. It’s a marketing myth that shopping on Boxing Day will snag you the best buys. Sales continue through January and reduce further into February, so avoid the crowds and let your wallet breathe for a month.