you only have 2 choices, so pick one (and nope, no wiggle room).
would you rather:
1. pay in full your wardrobe budget for the year up front, on a prepaid credit card, and then throughout the following 12 months buy your items exclusively using that credit card, with the amount you put on it. zero additional money.
2. throughout the year, choose and own/wear new clothing as you select them, paying nothing, and then after 12 months of owning/using the items, pay for them, whatever the total is. no returns.