I Have a Strict January Budget But Expensive Taste—15 Elevated Zara, H&M and COS Pieces I’m Backing
The high-street buys I’m using to refresh my wardrobe thoughtfully at the start of 2026.
If, like me, December was a little on the indulgent side, chances are January has arrived with a sobering reality check—namely, a significantly lighter bank balance. What I’m not short on, however, is the desire for a wardrobe refresh. Something new, considered and comforting enough to make an otherwise bleak January feel a little more inspiring. I’m only human.
With that in mind, I set myself a firm but realistic challenge: update my wardrobe with £200 or less. No impulse buys, no filler pieces, just smart additions that would earn their keep well beyond winter. My first ports of call were Zara, H&M and COS; brands I consistently turn to when I want expensive-looking pieces that feel far more considered than their price tags suggest.
Mimi wearing COS Shoulder Bag and COS Dial Jeans.
So what does shopping look like in 2026, on a budget? Think cosy, floor-length coats that cocoon rather than overwhelm, supple suede accessories, indulgent knitwear and easy denim that’s as comfortable as loungewear (but infinitely more polished). Unsurprisingly, Zara, H&M and COS delivered on all fronts.
Ahead, I’ve rounded up the best pieces to shop now if you’re looking to build a chic, wearable 2026 wardrobe, without straying beyond a strict January budget.
Shop The Best Zara, H&M COS New-Ins
A funnel-neck coat instantly makes winter outfits feel intentional. Trust me when I say, this will be gone by the weekend.
A quietly elegant tie-belt jacket that works hard in winter rotations. Ideal for layering and everyday wear.
The side zip detail adds subtle edge without tipping into trend territory. Ideal if you like your jeans classic, with a twist.
COS knitwear at its best—clean, refined and beautifully cut. The funnel neck adds structure, making it feel more polished than a standard cardigan.
The most hard working pair of jeans you'll ever own.
Cosy but considered, this teddy-style coat is perfect for cold days when comfort is non-negotiable.
An elevated everyday shoe that works just as well with tailoring as it does with denim. Soft suede keeps them timeless and wearable.
Clean, minimal and endlessly useful. These trousers are one of those items you’ll reach for more often than expected.
A reliable essential that works across outfits and seasons. Ideal for building a capsule wardrobe.
One of those Zara pieces that looks far more premium than its price tag. Clean lines and a structured silhouette make this an easy layering hero.
These knee-high boots look so much more expensive than they are.
A subtle statement knit that still feels wearable. The pattern adds depth without overpowering an outfit.
If you're allergic to high-heels, these low sling-backs are a great, equally chic alternative.
A blazer that feels cool rather than corporate. The contrast stitching gives it a modern, fashion-editor edge, too.
Proof that comfort and style don’t have to be mutually exclusive. These feel relaxed yet intentional.
The cropped length gives this coat a modern feel, especially when paired with wide-leg trousers or high-rise denim.
A classic layering piece you’ll rely on year after year.
These boots strike the balance between elegant and statement.
An excellent alternative to denim. These drape beautifully and instantly make outfits feel more grown-up.
A simple knit elevated by its cut. The asymmetric hem adds movement and interest, making it perfect for styling over tailored trousers or jeans.
These tap into the barrel-leg trend without feeling extreme.
This is the kind of bag that elevates everything from tailoring to knitwear.
Simple, wearable and so warm.
Relaxed, flattering and endlessly wearable. The turned-up hem makes them especially good with flats and loafers.
A great preppy addition to your winter wardrobe, that will work hard until the end of spring, too.
Classic ballet flats, but sharper.
