5 Tips for Buying Clothes on a Budget | Choose Work! - Ticket to Work (2024)

5 Tips for Buying Clothes on a Budget | Choose Work! - Ticket to Work (1)

What should you wear today? Sometimes that question gets more complicated when you are choosing clothes for working in an office setting. Today's blog post provides five tips for buying work clothes on a budget.

Some jobs have a business casual or business professional dress code. This often includes dress pants, skirts, dress shirts and occasionally suits. Office attire is changing, so if you need help figuring out what items meet the dress code, ask your supervisor to give you examples of common outfits. An office wardrobe can be expensive, but it doesn't have to be. There are many ways to save money on clothes, and still meet the dress code at work. Here are some ways to spend less money and get the outfits you need to look good and feel confident at work.

1. Shop Your Closet

Work Clothes Donations

Don't forget to seek out local organizations such as churches, community centers, universities and more that donate work clothes, and even interview suits. Search phrases online such as "free work clothes," "free work clothes donations" or "free clothing near me." You can also contact local organizations in your community to see if they can point you in the right direction.

You may already have some items that can start your work wardrobe. If you have a pair of black dress pants and a couple of dress shirts, that's three fewer items to buy! Take inventory of what you already have, and what family members and friends can share. If you already have one business casual skirt, consider buying just one more in another color to build your wardrobe. Items you have that may not stand out as “office clothing” can work too, if paired with the right items. A plain tank top you already own worn under a cardigan can add to your outfits.

2. Purchase Basic Items to Mix and Match

It's always a good idea to buy some basic pieces that you can easily mix and match. A black blazer or suit jacket can match with many items. It can be worn with slacks, a skirt or jeans if your employer allows casual days. A solid color pair of pants in navy blue or gray can also be paired with many shirts, blouses or sweaters. For shoes, look for neutral colors so they can go with most of your outfits.

3. Check out Thrift Stores

Thrift stores have many quality items to add to your work wardrobe. You can find items that are gently used, or even brand new for a low price. Thrift, or consignment stores, have a large selection of clothes in all sizes, colors and styles. Some thrift stores have special days when the already low-priced items are half off, or an additional discount is applied all day. Call ahead or check their websites to get the best deals during the week. If you choose to shop any of the popular online thrift stores, visit the Federal Trade Commission (FTC) for consumer safety advice for online shopping.

4. Limit Expensive Name Brands

Buying just a couple of designer items can take up a big part of your budget. Start your wardrobe by buying more classic items and get more for your money. In addition, some designer items can be difficult to mix and match because of the colors and patterns. Non-designer clothes can be more useful and create several outfit choices. Sometimes you can find used designer items at neighborhood garage sales, discount shops or thrift stores, along with other professional clothes.

5. Take Your Time

You can gradually purchase items for your work wardrobe, a couple of pieces at a time. No need to rush and buy all your clothes right away. As you can afford more, you'll eventually build a great selection with many outfits. Slowly buy clothes as time goes on. Buying slowly also allows you to find “off season” sales. For example, if you purchase sweaters in the summer, prices will typically be much lower. Buy your short-sleeved shirts in the winter and save money. Make a habit of heading to the clearance section for these off-season deals. Your budget will thank you.

There are many ways to spend less and have a work-ready wardrobe. Stay on the lookout for deals, and your wardrobe will grow before you know it!

How Can Ticket to Work Help?

Social Security's Ticket to Work (Ticket) Program supports career development for people ages 18 through 64 who receive Social Security disability benefits (SSDI/SSI) and want to work. Through this free and voluntary program, eligible participants can work with service providers to receive the service and supports they need to find and maintain employment as they move toward financial independence through work.

Connect with a Ticket Program service provider such as an Employment Network (EN) for career counseling that can include advice on your work wardrobe, and connections to local organizations that may help with donations. Find an Employment Network (EN) today!

Learn More

To learn more about the Ticket Program, visit choosework.ssa.gov or call the Ticket to Work Help Line at 1-866-968-7842 or 1-866-833-2967 (TTY), Monday through Friday, 8 a.m. to 8 p.m. ET. You can also learn more by registering for a free, online Work Incentives Seminar Event webinar. Or text TICKET to 1-571-489-5292 to receive Ticket Program texts. Standard messaging rates may apply, and you can opt out at any time.

5 Tips for Buying Clothes on a Budget | Choose Work! - Ticket to Work (2024)

FAQs

5 Tips for Buying Clothes on a Budget | Choose Work! - Ticket to Work? ›

Spend on Quality, Save on Trends

Instead, shop discount fashion sites like 6pm.com or Forever21 to get your trendy fashion for the cheap. You could also incorporate a trendy print or color with accessories to save. Just make sure to assess the cost per wear to determine the real value and if it's a smart buy.

How do you shop for clothes on a budget? ›

Spend on Quality, Save on Trends

Instead, shop discount fashion sites like 6pm.com or Forever21 to get your trendy fashion for the cheap. You could also incorporate a trendy print or color with accessories to save. Just make sure to assess the cost per wear to determine the real value and if it's a smart buy.

What should be considered when buying work clothes? ›

Take comfort into consideration

Comfort is key when it comes to workwear uniforms, especially for workers who spend long hours on the job. Choose garments with a good fit and comfortable materials, such as soft cotton or moisture-wicking fabrics, to keep your workers comfortable throughout the day.

What do you budget for clothes? ›

How Much Should You Spend on Clothes? Most financial experts say to keep clothing spend to around 5% of your take-home pay for the entire family. So, take whatever your monthly pay is and multiply it by . 05 and that is the MAX you should spend in a given month.

How do you choose the clothes you buy? ›

Remember shapes, colors, and silhouettes that you love all the time, and go for those pieces instead. Dress for who you are, not what people are wearing on Instagram. Special occasions aside, the amount you spend on a piece of clothing should equate to the number of times you'll wear it, or ROI (=return on investment).

How to budget a shopping spree? ›

Tips for Planning your Shopping Spree
  1. Keep the items for each category together in the spending table.
  2. Double check your budget for each category so you don't over spend.
  3. Insert a row above the last row to keep the Grand Total formula working.
  4. Savings and charity will NOT include sales tax.

How do I not buy fast fashion on a budget? ›

Here is a complete list of the top tips for avoiding fast fashion:
  1. Buy second-hand.
  2. Organize a clothing swap.
  3. Rent clothesGo shopping in your own closet.
  4. Shop local.
  5. Invest in timeless pieces.
  6. Change your habits.
  7. Look for sustainable materials.
  8. Opt for ethically made clothing.

How do you expense clothes for work? ›

Requirements for Writing Off Clothes for Work
  1. You Are Required to Wear It. To qualify as tax-deductible work clothing, the attire you're claiming must be required by the company. ...
  2. It's Not Suitable for Everyday Wear. The IRS distinguishes between clothing suitable for everyday use and specialized work attire.
Oct 17, 2023

What are the rules for employees clothing? ›

Employees should dress in business casual attire unless otherwise stated by their manager. Employees are expected to be well-groomed and should abstain from wearing any clothing with holes, stains or inappropriate words or imagery. Clothing should not be revealing or make others feel uncomfortable.

How important are clothes at work? ›

Dressing professionally helps you present a positive, professional image of your organization to others. Even if you dress casually or wear a uniform, making sure you look neat and put together can improve the reception you receive.

Why is it important to budget for clothes? ›

When it comes to managing your finances, clothing budgeting plays a crucial role in ensuring that you can dress well and update your wardrobe without breaking the bank. By allocating a specific amount of money towards your clothing expenses, you can make informed decisions and prioritize your purchases effectively.

What is the 50 30 20 rule? ›

The 50-30-20 rule recommends putting 50% of your money toward needs, 30% toward wants, and 20% toward savings. The savings category also includes money you will need to realize your future goals.

How much should a family of 4 budget for clothing? ›

Clothing and Personal Upkeep

The average U.S. household spends $162 per month on clothing, according to the U.S. Department of Labor, and you'll probably want to include personal grooming costs as well as any dry cleaning in this budget category.

Why do people choose clothes? ›

Clothing choices can convey a wide range of moods and feelings. For example, when we're happy we want to wear something that enlightens us, like bright, vibrant colors and comfortable relaxed clothing. When we are feeling confident, we might feel like wearing something bold, and stylish that makes us feel empowered.

How to pick clothes that last? ›

Look carefully at the label: fibers and fabrics. Choose natural fibersFibers are what the threads that go into a piece of fabric are made up of: silk, cotton, linen, wool, polyester, viscose. — cotton, linen, silk, wool, hemp, etc. — which will last the longest in your closet.

What is important when buying clothes? ›

Clothing quality

Only purchase high-quality clothing and avoid pieces that will rip, pill out, lose buttons, or threads. Choose well-made garments made from durable and resistant materials. Don't buy or wear garments with poor construction or cheap fabrics. They will fall apart quickly.

Can you write off work clothes as a business expense? ›

Include your clothing costs with your other "miscellaneous itemized deductions" on the Schedule A attachment to your tax return. Work clothes are among the miscellaneous deductions that are only deductible to the extent the total exceeds 2 percent of your adjusted gross income.

Can I write off buying work clothes? ›

Only clothing that's a requirement from your employer and that can't be worn outside work qualifies as a work clothes deduction. A tax deduction calculator can help you check if your clothes can be counted as a write-off. The IRS considers clothes that are everyday wear as nondeductible.

What expense category is work clothing? ›

Miscellaneous Expenses

If the clothing being purchased is not directly related to the business's revenue or marketing efforts (e.g. casual clothes for employees to wear in the office), then it would typically be classified as a miscellaneous expense.

Are work clothes a business expense? ›

Clothing that promotes your business is deductible as a promotional expense. This includes the cost of the clothing itself, and the cost of adding your business logo to the item. You can claim this promotional cost as a miscellaneous deduction on your tax return.

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