Annual Wardrobe Budget and Year-long Shopping Plan with Free PDF Planner

Seasons of the Year.1600p.eng1

When you've determined your wardrobe's financial budget, space budget, and other considerations for the year, you can divide it up into your wardrobe needs. You could seek them all out at once and be over and done with it if you hate shopping and have the money to spend all in one go, but I'm going to lay it out from the assumption that you like shopping, or have to budget in an evenly distributed way. This approach will work with 10 Item Capsule wardrobes, so that if you don't have a wardrobe you love right now, by this time next year you could.

Financial planner Pete Dunn suggests spending just 5% of your take home pay on your wardrobe. If monthly your take home pay is $3000, that designates $150 per month toward clothing for you.

If your 5% is significantly less, that's ok. You can still have a fabulous wardrobe- it just might take a little bit longer (instead of buying one item each month, maybe you're shopping every other month, or maybe even just one really nice new item a year- it depends on your budget). It's important to buy the highest quality that you can afford, so that you can maximize your pay-per-wear ratio. If something is a good buy now, but falls apart in just a few washings, it will cost you more in the long run. The cruelty of it is that it takes more money to save more money, and not everyone can afford the up-front cost of high quality, long term money saving items. When this is the case, I recommend hand-me-downs and other low/no cost items that serve the function so that you can save more for replacements that serve the function, enhance your beauty, and are made to last. You can find some amazing and cheap items secondhand if you're able to put the time into regularly searching for them.

Once you have your wardrobe's financial budget planned, I task you with diligently sticking to it. You can carry over the budget if you don't spend as much as allotted in a month (i.e. if you have money left over), but never dip into the budgets for months that are yet to come. However great the item is, it's almost certain you'll find something just as good when you have the money for it. You might even find the same item on a better sale by then, so hang in there and be proud of yourself for sticking to your plan. You're reinforcing your willpower to follow through in all areas of your life. 

Because we're shopping to maximize cost-per-wear and hoping to find garments that will last us many years, we're best off shopping sales for high quality items during off-season sale times. Looking for a coat? Try the end of spring when things are warming up. Need sandals? The end of summer is the best time. You may not have the joy of wearing it often and right away, but because you're shopping with a long-term game plan, and because you're shopping to enhance your authentic beauty rather than trends, you're making a very smart investment that will bring you plenty of joy in the future. 

The items listed are for bigger items. You might want to designate a small portion of your monthly budget towards undergarments such as socks, underwear, bras, slips, shapewear, and the like.

Wardrobe Wheel of the Year
January         1. onesie (dress or jumpsuit)
February       2. top
March            3. bottom
April              4. top (sweaters might be on sale)
May               5. onesie
June             *coat, purse, pair of shoes, or piece of jewelry
July               6. top    
August          7. bottom
September    8. top
October        9. onesie
November   10. top
December    *coat, purse, pair of shoes, or piece of jewelry

The numbers (1-10) are to show what is counting toward a 10-item capsule wardrobe. The asterisks are suggested wildcard months for other major items. 

If you find the perfect pair of pants in January, feel free to swap months and try to find a onesie in March instead. 

Please enjoy this free one page PDF planner I made for you to fill in the blanks and create a year long budget and plan for your own fabulous wardrobe. <3

How to put together a minimalist / modern wardrobe with personality

If you saw my article on the usual, horribly boring, capsule wardrobes, you know I have a bone to pick. Minimal wardrobe can still mean maximal style, and here's how to do it to avoid the dreaded white/grey/black, tshirt/jeans, pop of red, one stripey shirt/dress, capsule. 

If you want to stick with white/grey/black you can and you can do it fabulously. If you want to stick with tops and jeans, you can and you can do it fabulously. The more your wardrobe contains neutrals and casuals, the more oomph and interest those items need to have (or have added to them in the rest of the outfit equation).

Personally I go through periods of loving color, and then needing a break from it, but there are still loads of ways you can work with neutrals. White on white prints are even a thing, and it still doesn't feel overwhelming (when you're seeking minimal/modern out of overwhelm) because it's still just white. 

Any choices you can make to push it away from being plain- plain t-shirt, plain jeans, plain skirt, plain shoes, will elevate the look immensely. The following are some possibilities to elevate: 

 

Texture

satin
course knits
cashmere
(p)leather
suede
vinyl
velvet
fuax fur
fringe
boucle
tweed
embroidery
embossed
tapestry
popcorn
lace

Print

paisley
leopard
floral
stripes
zebra
fronds
gingham
houndstooth
plaid
polka dots
cabling

Color

color-blocking
two tone
brights
pastels
metallic
monotone
neutrals

Design interest

knots
twists
ruffles
layers
pleating
asymmetry
scalloping
necklines (sharp v, mandarin, funnel, queen anne, cowl, etc)
bell sleeves
sheer panels or other texture
one sleeve
piping