Dress savvy, save savvy: shop for professional attire on a budget

Men's shirts in clothing store

Dress for success is a mantra that is often preached within the workplace. However, shopping for your professional wardrobe can be quite costly.

To look your best at work and not spend a fortune, we’ve created a shopping guide to help you out. Before you get started, thoroughly read your workplace’s dress code in order to make sure your attire is suitable. If you aren’t sure of a clothing piece even after reading the dress code, the best thing to do is not purchase the item until you have spoken with someone from human resources.

Once you know what is acceptable for your workplace, take a look in your closet. If you notice several items that you no longer wear or no longer fit, remove them. If the items are still in good shape consider taking them to a consignment shop, where you may receive some money in return. Many social media sites include groups where you can sell nice, used clothing as well. Be sure to take note of clothing that is both in good shape and work appropriate. By examining your current wardrobe before you head out to shop, you will be able to assess what you need to buy rather than what you want, which will help you save money.

Begin with the basics. The basics are major staples of your wardrobe that can be paired with other pieces to make multiple outfits. Basics include:

  1. Blouses and or/button-down shirts in neutral colors. These tops can be layered with cardigans/sweaters, paired with ties or statement necklaces, and can go with a variety of dress slacks and/or skirts.
  2. Dress slacks in neutral colors, including tan, grey, navy and black.
  3. Solid color skirts, which could be paired with many different top combinations.
  4. A few good pairs of work shoes, in colors such as black, grey, navy or tan/brown.
  5. Appropriately styled denim jeans for casual dress days.

Just because you should take care of your “basics” first, doesn’t necessarily mean your work wardrobe has to be boring. Instead it gives you the ability to create multiple outfits. Most basic shades can easily match appropriately to patterned pieces. By mixing and matching your basics with other pieces, you will be able to make more out of less, which helps you save tremendously.

Accessories are your friend. A great way to jazz up or change any outfit is by using accessories.  For men simply changing up your tie or adding some cool cufflinks can add individuality while keeping your attire acceptable for the office. Vests are another nice addition to mix and match with your outfits. Accessorizing for women can include appropriate statement jewelry pieces, such as a necklace, bracelet or pair of earrings. Simply adding a necklace to your basic wardrobe can make your outfit feel brand new. Dress scarves are another great touch to give an outfit a whole new style.

Another way to help you save money as well as add to your professional wardrobe is to choose versatile pieces that can be both dressed up and down. For example, you may choose a nice blouse or top that pairs perfectly with both a skirt and dress pants as well as jeans or leggings for a casual weekend look. A nice polo shirt is another item that can be dressed up by pairing it with dress slacks or dressed down by wearing it with shorts or jeans. Finding shoes that can be both work and casual wardrobe staples is another way to get the most bang for your buck. By purchasing pieces that work for both business and casual outfits, you will buy less and, save money.

Make sure you look for deals and sales when shopping for work clothes. Taking advantage of sales at local retailers as well as shopping at factory outlet stores can help you cut costs dramatically. Many shops often have sales on “out of season” items. So when you see prices slashed go ahead and stock up. This way you both save money and will have the proper wardrobe staples when that season rolls around again.

Comparing brand prices as well as price checking different retailers on the same piece is another good way to save. Some retailers will even price match an item with another store. Always check for coupons as well. Many associate couponing with food items, however there are coupons for clothing too, including simple but necessary professional wardrobe pieces, such as socks and hosiery.

Another way to save on your wardrobe is to take advantage of apps that offer rebates, such as www.ibotta.com. Ibotta enables users to add rebates to qualify for cash back as well as buy featured products at your favorite stores and retailers. You can redeem your rebates by taking a photo of your receipt and get cash back.

Hopefully these tips will have you looking your best without breaking the bank. Good luck and happy shopping!

 

OVB BANKit! Set to Kick Off This Fall

bankitsupplies

As the 2017-2018 academic year is officially underway, Ohio Valley Bank is once again ready to bring back their BANKit program to area high schools.

The OVB BANKit program, which spans the entire length of the school year, reached 445 students last year from six participating schools in Ohio and West Virginia. Students ranged from freshmen to senior grade levels.

Created in 2010, the OVB BANKit program brings real-life banking lessons to the classroom. OVB Financial Literacy Leader Hope Roush conducts each lesson, which typically takes place on a monthly basis at participating schools. The program works as a game in which students are given $100 in buzz bucks, the OVB BANKit currency. Students have the option to invest their buzz bucks as they wish among different accounts, including CDs, money market accounts, basic checking accounts and savings accounts. They also have the option to purchase and sell shares of stock in the game’s mock company, Pseudosoft.

During each visit, students draw a Real Life Card, which may force them to pay an unforeseen bill or provide them with unexpected cash. During this time students also have a chance to manage their banking and make deposits/withdrawals in their accounts. This portion of the program is important as students learn to fill out basic bank paper work as well as practice money management.

In addition to the game aspect, each BANKit visit includes a lesson on a banking topic. Lessons for this academic year will include:

  1. Basic differences in account types
  2. Filling out basic bank paper work, including deposits and withdrawals; check writing; updating check register
  3. Reading a bank statement
  4. Credit/Cost of Credit/Credit Reports/Credit Scores
  5. Budgeting
  6. Identity Theft
  7. Credit vs. Debit
  8. Interest

Along with planned lessons, if teachers have requests pertaining to other financial topics, OVB will often accommodate them.

For more information on the OVB BANKit program, contact Hope Roush at hdroush@ovbc.com.