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Written By Vicki Anzmann

Are you a fashionista or frugalista? You don’t have to choose. This season, smart shopping and creative styling can produce fashionable outfits that will satisfy both tendencies.

Large chain and department stores like Target and Kohl’s feature limited designer lines at economical prices. Local boutiques offer unique finds to embellish and enhance outfits. Following the sales, shopping your closet, and creatively updating what you have will all serve to keep spending in check.

Here, modeled by Westminster’s Todd and Melanie Burrier, is how to put together a smart holiday outfit for under under $100: Begin with a classic or basic foundation, and choose accessories to spark up the look.

Accessories can completely transform an ensemble. Free your inner artist. Get creative. Begin with a dress or pair of pants from your closet and freshen the look with a new necklace or wrap. For men, try a different cut or color of shirt. Ties offer almost infinite possibilities. Reinvent an article of clothing by using it in a new way.

Think of this page as an a la carte menu, or an inspirational stimulus. Start with the basics, bought or owned, and choose one or two killer accessories that match your budget and taste. Remember: less is more. Just one great accessory can make an outfit.

And just like that: viola, a new holiday outfit on a budget.

Women’s Shopping Ideas:

Dress, $49.99, Marshall’s, Westminster, 410-857-9835, www.marshallsonline.com

Crystal ring, $17, Artworks

Silver and Black Wrap, $19.99, Clementine’s, Westminster, 410-751-6255

Silver Evening Bag, $7.99, Boscov’s, Town Mall, 410-751-6660, www.boscovs.com

Brighton bracelet, $58, Artworks

Earrings, $70, Ain’t That a Frame, Westminster, 410-876-3096, www.aintthataframe.com

Necklace, $35, Artworks, Westminster, 410-871-9590, www.artworksandapparel.com

Magnetic Broach, $21.99, Clementine’s

Men’s Shopping Ideas:

Men’s Trousers, $24.99, Kohl’s, Westminster and Eldersburg, 410-871-3278, 410-549-7707, www.kohls.com

Men’s fitted dress shirt, $17.10, Kohl’s

Jerry Garcia tie, $21.60, Kohl’s

Suspenders, $19.99, Boscov’s

Silver Watch, $12.88, Wal-Mart, Westminster, Hampstead, Eldersburg

Argyle socks, $2.50, Target, Westminster, 410-848-6180, www.target.com