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Dreaming of the old money look but watching your wallet? Discover my updated guide on achieving the old money style this fall and winter without overspending!
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How To Dress Old Money On A Budget: Fall/Winter
The old-money aesthetic remains a top fashion favorite. It embodies a timeless and refined style. Key pieces include trench coats, elegant knits, blazers, and sophisticated jackets. Also essential are pleated trousers, silk midi skirts, and high-quality accessories.
Good news! Achieving sophistication and elegance doesn’t require breaking the bank. Investing in timeless pieces is wise, but affordable alternatives are readily available.
Discover the ultimate old-money wardrobe essentials for the autumn and winter seasons. I’ve curated a selection of timeless pieces, showcased in the capsule graphic above. Get ready to explore a wealth of chic and sophisticated old-money outfit ideas. Plus, I’ve gathered inspiring looks from leading fashion influencers to elevate your style.
Explore further down the page!
Trench Coat
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For an effortlessly classic, old-money aesthetic, a trench coat is essential! It’s perfect for those in-between seasons like autumn when temperatures are mild. Choose a dark tan shade for fall and winter. Alternatively, navy, black, or army green offer a sophisticated touch.
Want to save money? Find budget-friendly cotton trench coats at H&M, Mango, Dynamite, or Nordstrom. I’ve included some excellent choices above for you!
Anoukyve’s outfit, showcased on her Instagram (@anoukyve), exudes a timeless elegance. It’s a chic, classic ensemble with a desirable “old-money” aesthetic. The outfit maintains a relaxed feel, yet the carefully chosen accessories and a long trench coat give the jeans a sophisticated upgrade.
Long Wool Coat
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A long wool (or more affordable wool blend) coat has an understated elegance that’s excellent for an old-money outfit. This classic, elevated piece will keep you warm in the fall and winter and layers over everything.
I love the look of a cream coat which gives an old-money vibe like on @kateehutchins above. But you can also go for camel (like @cocobeautea), dark brown, charcoal, or black.
If you can snag a wool coat on sale, definitely do – this piece will last forever! On the other hand, a wool-blend jacket like this one from Nordstrom is a great budget-friendly option as well. Or, this wool-look coat from H&M.
Plaid Blazer
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A plaid blazer or peacoat is a versatile piece that’s considered a staple in old-money fashion. My favorite thing about this timeless layering piece is how you can dress it up or down depending on the occasion.
Above, @kateehutchins wears her plaid blazer with a white button-down shirt, skirt, and tall boots. This old money outfit is perfect for fall!
Faux Fur Jacket
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This style of jacket is great to have in your fall or winter old-money wardrobe! It’s perfect for chilly days when you need a little extra warmth and gives major “mob wife” vibes.
To stay on a budget, opt for faux fur, I’ve linked tons of great options above!
I adore this outfit above on @livia_auer. It has a chic old-money aesthetic and her faux fur coat looks excellent with a cream sweater and black accessories.
Tweed Jacket
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A tweed (or tweed-look) jacket adds a formal and sophisticated feel to any outfit, so this is definitely a piece you want to keep in any old money-inspired capsule. It can be paired with tailored pants for a refined look or with jeans for a more casual vibe.
Tweed pieces likely make you think of expensive Chanel, but you would be surprised at how affordable a tweed jacket can actually be! See the options I’ve linked above.
Knit Sweaters
shop sweaters:
When it comes to creating outfits with an old money aesthetic in the fall and winter, a selection of knit sweaters goes a long way. In this capsule, I’ve included a plush cashmere turtleneck (that’s surprisingly affordable), a cable knit crewneck sweater, and a classic cardigan.
All of these can be worn with tailored trousers, jeans, leggings, or slip skirts for a casual or dressy vibe.
Above, @heloise.guillet wears a cable knit sweater with ivory trousers and chic brown accessories for an undeniably old money feel.
Long Sleeve Top
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I love having a long-sleeve slim-fit turtleneck for quiet luxury outfits! This is fantastic as a cool-weather layer or can be worn alone with pants or a skirt for an elegant ensemble.
Knit Dress
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It almost goes without saying that a knit dress belongs in an old-money wardrobe since this style of dress is commonly associated with class and sophistication. I recommend a long-sleeved, midi, or maxi length for fall and winter.
To stay on budget, opt for fabric blends such as a cashmere or wool blend. This rib-knit dress from H&M is an excellent price, as is this affordable cashmere-blend dress from Quince.
Pleated Trousers
Explore Our Trousers Collection: 2025 Styles
Pleated trousers remain a pinnacle of elegance in any wardrobe. They are a must-have for a quiet luxury capsule. Their inherent classiness allows for versatile styling. Dress them down for brunch or a casual shopping trip with friends.
Classic Blue Jeans
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Blue jeans remain a staple in 2025’s old-money aesthetic. Their enduring appeal is undeniable. Pairing them with sophisticated tops, shoes, and accessories effortlessly elevates them into a high-end ensemble.
Plus, they’re super budget-friendly! I highly recommend the iconic Levi’s 501 originals. They usually cost under $100 and you can often find them discounted!
Slip Skirt
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Elevate your style with a slip skirt. It adds a touch of feminine elegance to any look. Its silky texture and flattering fit create a refined silhouette. This versatile piece is perfect for dressy fall and winter outfits.
Black Leggings
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Black leggings, much like perfectly fitted trousers, effortlessly elevate any ensemble. They exude an understated elegance, especially when paired with the correct shoes. For a classic, sophisticated look during autumn and winter, consider matching black leggings with tall riding boots, as seen on @lovisabarkman. Alternatively, stylish black loafers are another excellent choice.
This chic, horse-riding inspired ensemble appears high-end, yet it’s surprisingly affordable to replicate in 2025!
Classic Footwear
Timeless footwear perfectly complements classic attire! I believe simple, yet elegant shoes are ideal for old-money style. Choosing neutral colors is also a fantastic way to achieve a sophisticated look.
Here are my top footwear recommendations for achieving the quiet luxury aesthetic:
Crossbody Bag
The crossbody bag remains a must-have accessory in 2025! Leather or high-quality vegan leather offers a timeless, polished aesthetic. Opt for a crossbody with gold hardware to instantly enhance your look. I recommend a crossbody for hands-free convenience or to inject a relaxed feel into your outfit.
My top recommendation for 2025 is this budget-friendly Italian leather box bag from Quince. It boasts a luxurious look, yet costs under $150. For a more affordable option under $50, consider this stylish crossbody from Mango.
Clutch
A clutch remains a timeless and elegant choice for fall and winter, particularly during the festive holidays! I’m drawn to the understated and stylish design of this cream leather pouch from Quince. Nordstrom also offers fantastic, budget-friendly alternatives, which I’ve included links to above.
Tote Bag
Totes are perfect for fall and winter. They’re great for carrying your essentials when you’re out and about! Neutral colors work best with totes. Consider brown, beige, cream, black, or white when selecting yours.
Glove & Scarf
As the weather cools in autumn and winter, elevate your style with a luxurious scarf and gloves. Achieve that coveted “old money” look while staying incredibly warm. I highly recommend these budget-friendly cashmere gloves from Quince. Pair them with the coordinating cashmere wrap scarf for a sophisticated, high-end appearance (without the high-end price tag!).
Find budget-friendly alternatives linked above!
Accessories
Finally, remember the small details that complete an outfit! Achieving an “old money” aesthetic affordably requires carefully chosen accessories. These finishing touches will elevate your quiet luxury look. Aim to have at least one item from each category below:
Browse the budget-friendly accessories I’ve curated above. Discover your ideal complement today!
Achieve the timeless “old money” look without breaking the bank! Discover budget-conscious outfit ideas in my updated guide. Elevate your fall and winter wardrobe with chic, affordable pieces.
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