As we settle into the fall season (and maybe even think about winter), we're all hearing that layering is essential. But for some of us, especially during these tough economic times, shopping on a budget is equally imperative and layering means buying more clothes. However, although seemingly contradictory, it is possible to layer on a budget.There are, generally, three important layers, each with its own individual function. The inner layer is supposed to keep you dry, the middle layer is supposed to provide warmth and the outer lawyer should protect against wind (and if you're lucky, this layer might actually be waterproof, too). But since fashion is usually about function over form, let's simply assume that layering is meant to keep you warm.

For the inner layer, I suggest cotton-polyester blended fabrics because they're mostly synthetic and much less expensive than their microfiber-based counterparts. Cotton-poly blends are perfect because they're breathable and absorb a good amount of moisture while keeping you warm. Van Heusen makes cotton-ply blended dress shirts for both men and women that are dependable and wrinkle-resistant (as are all blended shirts).

For the middle layer, I suggest either wool or cotton. Wool sweaters don't have to be expensive; you can find them at outlet stores for a great price, even from some of the best designers. The middle layer is also the layer you can see, so this is an opportunity to show off your creativity and colorful personality. Woolrich has a line of thermal tees for men that are 100 percent cotton that make for a perfect middle layer. For women, there are various options that are at least 95 percent cotton; these are less bulky than wool sweaters, so it's easier to put on a fitted outer layer on top.

For the final layer, it's crucial to have something that is resistant to the elements. For this, London Fog has a great option called the Piermont overcoat, whose all-weather material and zip-out lining make it a perfect outer layer. In addition, Woolrich has a town coat that is 80 percent wool and 20 percent nylon. Its best feature is its fully lined nylon inside that makes the garment easy to pull on and off. The coat is available in three colors: navy, nutmeg and onyx. It is the ideal finishing touch to a classic New England-style layered outfit.

Of course, layering could mean more than just three layers. When walking around windy Paris last December, I found myself wearing two undershirts, an Oxford, two sweaters, a fleece and my Zara coat, plus two scarves and a pair of gloves. Layer for whatever the weather is, and you'll be fine. Take this advice with a grain of salt, and remember that you don't ever have to spend a lot of money to look seasonally sensational.