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i carry a notebook with me at all times...
i do alot of window shopping...
try things on, and write it down, then go back and look at my closet and decide if it works before buying...
i also attend trunk shows and previews...check things out before buying...
i also go to sample sales and scour ebay...
it's great for finding last seaon's stuff; i recently got a pair of proenza schouler shoes for almost 80% off retail...
i also mix the designer stuff with pieces from zara, j.crew, club monaco, banana, etc...
i work full time, and have one credit card that is for emergencies only...
i buy all my clothes on my debit card or cash, so if i can't afford it, i don't get it...
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