Budget Money Savings

How To Dress Kids on a Budget

November 10, 2015
How to dress kids on a budget...trying to dress your kids within a reasonable budget can present it's own set of challenges, but I'm here to dispel the myth that you have to spend a ton on money on kid's clothes. It just isn't true and I'll show you how I have consistently managed to save 70% or more off my kid's clothes.
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I’m a minimalist when it comes to clothing.  When I shop, I look for items that I can get the most use out of and with very little accessories.

I don’t like fuss and it translates into the way I decide to dress my kids.

My mom always teases me because if I find one shirt I like, I’ll more than likely buy 2 or 3 colors.  Then I’ll find one pair of pants that go with all of those tops and BAM!  There goes my wardrobe.  Needless to say, that principle applies to my daughter (and now my son) as well.

How to Dress Kids on a Budget

One of my favorite places to shop for my girl is Children’s Place.  During a good sale, I often get an entire season’s wardrobe for less than $80.00.  This includes leggings, church clothes, shoes, shirts, and jeans!

I purchase several tops that can easily go with ALL of the pants I purchase.  For my mom, my efforts are worth teasing me about, but my pocketbook and I could care less about what anyone thinks of this method.

Using the idea of a capsule wardrobe, I want to give you an example of how I would pull together a winter wardrobe if we needed to purchase on this year.  (Note:  I got lucky this year and don’t have to replace the majority of her wardrobe because she can still wear a lot of items.  I’ve only had to replace jeans!)

The most important aspect of creating a capsule wardrobe for your kid is to make sure everything you purchase can be worn together.  Take a look at the tops I found on clearance and sale at Children’s Place.  All of these tops were on clearance for $3.99.

children's place capsule wardrobe

Choosing similar colors gives you the option of selecting one or two bottoms that will go best with each top.  You could choose a skirt that goes with each top and a pair of pants that goes with each top.


With these bottoms, 8 different outfits can be created with the four tops above. There also were a pair of dark denim skinny jeans that were on clearance for $7.20 that would go with all four tops (for those of you that aren’t into the bright colors).

I also found a cute pink dress for $7.20.

7.20 dress

Finally, let’s not forget about the finishing touches.  I found a moto jacket for $10.20, a pair of pink shoes for $10.99, and a headband for 90 cents.  These items go with at least one of the tops and bottoms and if your kids are anything like my daughter, they could care less about matching!

Screen Captures1

How I Saved 75 Percent Off of Kid’s Clothes

So, let’s do a tally on all of the items mentioned above:

4 tops:  $3.99 each – $15.96 (regular price $10.50×4=$42)

1 pair of leggings: $3.60 (regular price $12.95)

2 pairs of corduroys: $7.20 each – $14.40 (regular price $24.95×2=$49.90)

1 dress: $7.20 (regular price $24.95)

1 jacket: $10.20 (regular price $34.95)

1 headband: 90 cents (regular price $3.95)

1 pair of shoes: $10.99 (regular price $22.95)

Total: $63.25  (regular price $191.65)

With 20 percent off online coupon and 5 percent savings for using Place Card, the grand total is $47.44!!!  That’s around a 75 percent savings off regular price!  If you have My Place Rewards saved up the price could come down even more!

Other Helpful Tips to Maximize Your Budget

  1. Look for filler items at other stores.  I often use the children’s consignment shop to sell clothing my kids no longer wear.  Sometimes I take those funds from and purchase items that are for sale in the consignment store.
  2. I’ll also use the funds from selling at consignment and check the clearance section of TJ Maxx, Marshall’s, Ross, and Target.  I never have to pay full price on anything I purchase my kids and as you can see above, there is no reason to!
  3. To get the best deals at Children’s Place, I usually wait for holiday or seasonal events.  For example, Back to School, Black Friday weekend, End of Summer sales, etc.
  4. Most of the time I purchase from Children’s Place online vs the store.  They have free shipping over certain price points (or it’s $5).  The deals are typically the same; however, I always save more money when I don’t have to step foot in a store (or mall)!
  5. Combine with online coupons or mailed coupons.  There is ALWAYS a coupon for Children’s Place and if there isn’t, it’s not a good time to be shopping there (aka, there isn’t a good sale).  Children’s Place has a very good coupon policy that allows you to save even more on top of their sales.
  6. I applied for the Children’s Place card for the extra 5% off.  You can also sign up for My Place Rewards to save up your rewards for future purchases.  I’ve never paid interest on this card because in doing so, it would defeat the use of coupons and waiting for a good sale.  I pay the balance off so that I can maximize my savings.


There is nothing fancy about my method of shopping for my kids, but I sure feel fancy when I keep my money in the bank and still manage to have decent clothing to put on my kids’ body.

So, how do you save money on your kids’ wardrobes?

How to dress kids on a budget...trying to dress your kids within a reasonable budget can present it's own set of challenges, but I'm here to dispel the myth that you have to spend a ton on money on kid's clothes. It just isn't true and I'll show you how I have consistently managed to save 70% or more off my kid's clothes.

*Part of Financially Savvy Saturdays on brokeGIRLrich, A Disease Called Debt and Racing Towards Retirement*

Latoya Scott
CFEI/Social Entrepreneur
Latoya Scott is a Certified Financial Education Instructor and personal finance writer with a mission to help millennials learn how to stop living paycheck to paycheck so they can become financially carefree.

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  • Tennille @ Two Kids And A Budget November 10, 2015 at 1:44 pm

    These are great tips! That was a nice score saving so much on your daughters clothing. I love Children’s Place and buy my sons clothing their. I try to buy things on clearance, a size larger and a season ahead that way they always have clothing to grow into.

    • Latoya S November 11, 2015 at 6:41 pm

      Hi Tennille,

      Yes, that’s a tip I forgot to add. I try buying up a size saves money and my sanity because it seems like their always growing!

  • Shirria November 10, 2015 at 3:33 pm

    Great Post! I had not thought about creating a wardrobe capsule for my children. I also have a CP card, which I’m currently trying to pay off. I go back and forth about closing the account because of the discount. I also love shopping at Target and PS Areopostle for my children.

    • Latoya S November 11, 2015 at 6:43 pm

      I’ve never tried PS Aeropostale, but my mom shops there for my daughter sometimes. I will have to check them out. Target is my other fave place…only on the clearance rack though. I recently just brought a dress from Target that wasn’t on clearance, but that was because I was desperate to get something she really needed and get out of the store. I just wrote about my impatience in my money habits to ditch post. This definitely costs me sometimes, but I hate shopping.

  • DC @ Young Adult Money November 11, 2015 at 1:46 am

    I don’t have kids, but I’m scared of how much it will cost to buy them clothes! Great tips for people with children. I worry, though…my wife is most excited about dressing our kids someday! Little pairs of Toms and other shoes…. : 0

    • Latoya S November 11, 2015 at 6:44 pm

      Lol! Yeah, Toms are the cutest little things. I think that excites all women to dress up our kids cute. Don’t worry though, you can get them clothes at a reasonable price. Just have to be strategic about it.

  • Kyle Suzanne November 14, 2015 at 6:38 pm

    I’m glad I found you on Financial Savvy Saturdays. We definitely looks for bargains like this as well as shopping in thrift stores to get the cutest clothes at the best prices. We have 5 kids so saving money on clothing is no joke over here. I would like to invite you to link up to Frugal Friday…. http://aspiredliving.net/2015/11/13/frugal-friday-week-4-2/
    Have a great day.

    • Latoya S November 15, 2015 at 12:32 am

      Yes, the more kids you have, the more crucial it is to save money where you can!

  • Martha October 1, 2016 at 5:04 am

    I agree with everything you say. I have found great stuff at childrens resale events but now that my son is older I don’t have time for that. My coworker gives me hand me downs and I like to find stuff on Swap.com as well. I can get the exact styles my picky son likes for $4 or so. I find that Oshkosh/Carters have similar sales to Childrens Place and their pants fit him longer and wear better, same with socks. Gymboree has really good quality. It’s good to set limits on how much you are willing to spend on an item. Shirts for $4 or so, pants for $8.

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