Fall clothes tend to cost more than Spring ones - cashmere and leather, coats and boots, everything really adds up. There's great vintage finds in those categories, and J. Crew's latest batch is crisply awesome, but still - There's that one big thing, the coat or the bag or the shoes, that probably cost more than rent. And still, it tugs at your gut until you finally give in and buy it. So we have a system in our heads: Buy that Big Thing and wear it once - it cost you $1100. But wear it twice, and it only costs $550. And if you wear that Big Thing to work every day for a year... well, you get how it goes. Pretty soon we've convinced ourselves that the $1100 trench or the $1500 bag really costs 75 cents - even negative money, if we imagine giving it to our (equally imagined) daughter. We call this system Pay-for-Play fashion, and though it's risky and can only be done in moderation, it does soothe our panic when we know an item is extraordinary, but we also have a budget. Are you a Pay-for-Play girl, or do wait for the Sample Sale?