Your wardrobe of shoes and clothes is one of the most expensive things you didn't think was that expensive. It may not seem like much but once you piece together the $20 shirt you have and about 10 of those? That is over $200 in shirts with tax. Add in your pants or skirts as well as dress shoes? The number grows exponentially. Say your next meeting you need a specific color to match with the boss' orders? You should try thrifting. If you need to save money check a thrift shop. Some of the clothes are still expensive but you can still get them for cheaper than in a store. Now don't thrift if you do have money to buy actual clothes. There are definitely more people who could use those shops than you if you do have a good and steady income. If everyone who could afford new clothes bought at thrift shops so many companies would shut down as well as the people who are in need of the money would not have clothes to begin with. Especially in states of emergencies we can not be selfish. The average person spends about $161 a month on clothing according to Credit Donkey, and the average woman spends up to $400 per month on clothes from Pioneers of Class. A five percent limit on income on clothes, jewelery, accessories, and shoes. If you make 30k a year that is a 1.5k you can use annually on clothes and accessories. Dress to impress but you don't need all that name brand stuff. Sure it seems cool but who needs thousand dollar sneakers for a year just if you want to be like hey i got the newest sneakers. Clothes for sports or hobbies is a different story because then you need absolute quality to optomize performance.