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wardrobe: to update or not? how-to without breaking the bank
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new clothes isn't exactly an emergency expense :) so i would strongly suggest that you budget for it on a monthly basis. this doesn't mean you have to go spend the money every month, just put a reasonable amount of money into the clothes budget/savings every month and when you need a new shirt or two, take the money out of the saved money and go shopping. if you buy a piece or two of good quality clothing at a time you'd also not run into the situation where all your clothes fall apart at the same time.
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