Try using the strategy I do. Use some older clothes of yours (skirts, T-shirts and Jeans etc). Also buy some ankle length tights (black). Put a denim skirt on top of the tights and then throw on a shirt that matches it. Now, you have a fully made outfit using your old things.
Of course, if you don't like that, a bunch tank tops layered (1-3) on top of a pair of jeans keeps you warm and you will look great.
