Chic Dresses for Less

SPLURGE Dress with embroidered necklace, $3290, shoes, $570, clutch, $2490, Oscar de la Renta; oscardelarenta.com for stores.

STEAL Necklace $175, J.Crew; jcrew.com. Dress $195, BR Monogram; bananarepublic.com.

STEAL Clutch $58, Amici Accessories; southmoonunder.com.

STEAL Shoes $130, Calvin Klein; macys.com for stores.

STEAL Necklaces $28.50 to $38.50, thelimited.com for stores. Dress $78, Necessary Objects by Ady Gluck; necessaryobjects.com for info.

STEAL Clutch $55, Chinese Laundry; chineselaundrybags.com.

While sling-backs are rampant during spring and summer, feel free to wear a pair out on a clear, crisp fall day.

Shoe $89, Marc Fisher; macys.com.

STEAL Necklace $225, R.J. Graziano; (212) 685-1248. Dress $158, Talbots; talbots.com.

STEAL Clutch $150, Hype Handbags; endless.com.

STEAL Shoes $79.95, Bakers; bakersshoes.com.