MONEY SMARTS: Two words: Clothing swap.

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When you can't ball out on new clothes, you have to get creative with your thriftiness.

Being able to hold a clothing swap is one of the great perks of having friends. All you have to do is hold it at your place and wrangle up a few willing similarly-sized friends. (Perhaps throw in something yummy to munch or drink. Yasss!)

Everyone walks away with a bunch of new clothes for free. It's a win-win for all.