Use your head for a new chic look

Now more than ever we're looking to make a fashion splash without spending a ton of cash. But you say you're having trouble figuring out how to do that?

Try using your head.

Hair accessories are the latest option. You can forget about the handbag that costs a month's rent or the footwear with a homicidal price tag. That's so pre-recession.

Accessorize from the neck up.

A memorable hair adornment (at just a few bucks) can make last year's black dress or jeans/T-shirt combo look sharp, savvy and - most important - new.

Retailers at every price level - from mall favorite Claire's to exclusive boutiques you've read about in fashion magazines - are stocking tempting not-quite-a-hat hair doodads. And let's say you're like 99 percent of women worldwide who are not happy with their hair.

With a little experimentation - and, yes, some guts - many hair gizmos actually can improve your bad-hair day by drawing the eye away from what you don't like about your 'do. Have 'em talking about your feathers and flowers, not your frizz and flyaways.