1. Go shopping in your own closet.
We all get into habits, and that extends to how we dress.  This is the season to mix it up in different ways and take some risks with the clothes we already own. Kate recommends we mix complementary patterns - like a print blouse with a tweed jacket - and forget about black as the only neutral color. She suggests trying fresh color combinations like brown & blue and gray & brown for an updated, modern look. So spread all your clothes out around your bedroom and get creative. Be brave, urges Kate. "The rules are that there are no rules. It should be what you like."

And while you're in that closet, get rid of anything you don't absolutely love. Your closet should only contain your favorites.  "And I don't care if that's five pieces," says Kate, "Just don't have a closet full of stuff."

2. Less is More
When the budget is limited, a few key accessories can boost an entire wardrobe. Purple is this Fall's hot color, says Kate, and the easiest way to include it in your wardrobe is to buy a purple purse, belt or pair of shoes. "It's actually a neutral" she explains - since it goes well with black, blue, brown or gray - so you'll get a lot of wear from a single piece. 

Kate also likes scarves as a way to introduce color and texture to a fall outfit. She especially loves the versatile scarf pictured above, from Anthropologie . "It can be worn with a t-shirt, outside a coat, or in your hair."

If you have to choose one area to invest, make it a pair of great fitting wide-leg trousers or trouser-style dark jeans. The fuller cut is basic but very stylish and can take you from work to evening.

3. Bargain hunt
Since times are tough, Kate anticipates that many retailers will be marking down prices, perhaps sooner than usual. Don't pay full price. If you see something you've got to have, ask the salesperson to give you a call when it goes on sale. In the meantime, explore discount stores, thrift stores, and maybe even your friend's closet.