Number 9: A quality, simple T-shirt (white or black first, then color)

Actress Sharon Stone reinforced this simple style statement several years ago when she wore a black Gap T-shirt to the Oscars. You can dress them down, you can dress them up, and you’ll be amazed at the wide range of prices for such rudimentary apparel. Some designers’ T-shirts cost a bundle.

For example, here are simple T-shirts by Vince ($68), Three Dots ($40), Eileen Fisher ($68), James Perse ($44), Saks ($88) and Anne Klein for $95. Getting some sticker shock? The discerning fashionista certainly can tell the difference between a high-quality fine-fabric T - or can she? Check out the basic Ts at Gap for $9.99, at Banana Republic for $20 or Bloomingdale’s for $26. Or be amazed at the huge selection of short- and long-sleeved Ts at Target, which start at $7 and zoom up to $14 for an Isaac Mizrahi design.

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