Let’s be real. A good winter coat can be a major investment. But if you choose wisely, the coat will last forever (or at least a good long time) and remain trend-relevant for seasons to come. Here’s my criteria for buying a new coat:

1. It has to go with my boots/shoes
Even though you shed your coat once you come in from the cold, outside, your coat is part of your outfit — which is why it’s critical to pick wisely. I have a really diverse collection of shoes: everything from crazy high 5″ Balenciaga platforms, to sunshine-yellow ankle booties, to everyday flat boots, so I try to find a coat that will transition smoothly from high fashion to low-maintenance. I find that leather jackets, peacoats, and belted puffers make the switch most easily.

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I have been looking through fashion magazines and on websites at the new Fall offerings recently, and have noticed a heavy lean toward an entirely black outfit, from head to toe.

While that is a nice, clean, look that I would have embraced back in high school when I used to sit and listen to the Cure in a darkened room, nowadays, I like a bit of color. In fact, I think most of us like a little variety in our wardrobes. It’s very easy to incorporate some color while still keeping the overall outfit black.

Throw on a brightly colored coat over the black outfit:

Above: B.B. Dakota Coat found at Lulus.com.

Add a bright t-shirt as a foundation piece and make it the burst of color in your outfit:

Above: LnA tee found at Bluefly.com.

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The trends for spring/summer are a mish-mosh of ‘80s rock and ‘70s boho with “luxe,” “relaxed” and “edgy” pieces that fit into each category – so I asked Bluefly’s buyers (who have to shop wisely for a living) to break down ONLY the things the fashionista-on-a-budget absolutely needs. Here’s what they had to say:

1. A FLIRTY, FLOWY DRESS

You can interpret this trend a few different ways, according to our dress buyer, Sandy. Long or short, one-shouldered or sleeveless, a bold floral print or solid bright color, the goal is to have a dress that can easily translate from day to night with some statement-making detail. If you’re big on weekend trips, go with a jersey dress that packs well.

2. A CLASSIC TRENCHCOAT WITH A TWIST

The trenchcoat is a timeless spring classic and a great way to buy into the season’s biggest trends. For example, instead of the traditional khaki, go for a bold-color or a double-breasted style, or a belt with a wide buckle or oversized buttons – some detail that updates the trench so it feels timely.

3. AN “AGGRESSIVE” ACCESSORY

Whether it’s a pair of shoes or a new bag, it’s all about the over-the-top statement piece. Shoes: sky-scraping platforms heavy on the straps, studs, cutouts, fringe or perforations. The bolder the better, which means flats – unless they’re gladiators or timeless Cole Haan – are out. Jewelry too. Chandelier earrings, stacks of bangles, Grecian cuffs and ethnic pieces are the bling for spring. For bags think bright-colored or exotic-skin leathers, hardware like studs and grommets, and less obvious shapes like the clutch. If you can’t afford a designer bag right now, hot indie labels like Rebecca Minkoff (a celebrity fave) and Treesje have amazing wallet-friendly pieces that are totally on-trend.

4. “BOYFRIEND” BASICS

We got a preview of this trend when Katie Holmes was spotted wearing a pair of pegged jeans around town last summer and now “boyfriend” jeans are back. Our denim buyer, Jessica says worn, torn and “distressed” wash jeans are an important trend this spring mainly because people want to look good without looking they tried to look good. Our tees and cardigans buyer, Kate concurs, “It’s very, ‘I just threw it on,’” as she explains why some of spring’s hottest tees are made from “slub” – a cotton fabric looks deliberately broken-in and the trend in cardigans is cozy, oversized comfort with luxe nautical details.

5. A “BOHO GLAM” SWIMSUIT

Think graphic tribal prints, hardware details, embroidery and embellishments, our swimwear buyer, Joanna advises. If you want more bang for your bathing suit, go with a one-piece that can transform into a super-glam top over a flirty skirt or jeans.

For those of us out there who are struggling with shabby coats from days gone by and are looking to invest in a coat that will be with you for many winters to come, this Top 5 is for you!

Grace & Cello’s “Lucia” recycled wool coat cuts a sophisticated line for women headed to the office or a mid-week cocktail party. Where does recycled wool come from, you may wonder. According to Grace & Cello’s Gerri Brightwell, “The wool in our coats is created by using roll ends, scraps and other pieces of fabric that normally fall to the cutting floor and are wasted. These scraps are reconstituted into the fabric that we use for our coats.” Made in Montreal, not only are these stunning pieces sustainably made, they are also 100% sweatshop-free. So feel good about Grace & Cello’s pattern makers, cutters, and sewers- Maryse, Angelo, Leo, Tony, Mrs. Anna and Cheng hope you like their clothing, too.

The City of Angels has turned out the most coveted coat of the season: The Battalion’s “Ali Cape.” Any woman of high style and sophistication would be hard pressed not to scrounge together the necessary funds for this de rigeur coat, even amidst the current economic downturn. (I could be projecting here.) A draped hood and scarf attaches to this dramatic and colorful cloak, creating layers of fabulosity to this cloak inspired by Ali McGraw’s classic look in the 70’s. This bank account bandit by the Wong sisters is made from bamboo and organic cotton, certified by Oeko-Tex. Even if you can’t feel good about the Ali Cape’s effect on your finances, you can feel great about supporting sustainable manufacturing and farming practices. I’m going to consider it a worthy investment…for your wardrobe and the world. (Okay, that’s pushing it, I realize. I just had to purchase a ticket on the justify train with this one.)

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You can get a lot of style for very little cash, and thank god, because with the current economy, thinking like a frugal fashionista is a big plus.

Check out these 14 hip and stylish winter coats.

My new shopping mantra is no more black, but I couldn’t resist this luxe coat from Target (1). Love the detachable fur collar. This classy wool jacket is also from Target, and is more appropriate for an evening date or for a working woman (2).

A bit more pricey, but exceedingly stylish is this mustard yellow bow-accented coat from J. Crew (3).

For a pop of color, this Forever 21 coat is great, but not too practical. I’d wear this for a date or with an evening dress (4).

DELiAs actually has exceptional coats this year, if you do a bit of digging. The military coat buttons on this navy jacket are what really drew me to it (5).

If you want a more feminine silhouette, try this pink Isaac Mizrahi for Target jacket (6).

This bright, bold fuschia jacket from DELiAs is warm and practical, but not boring (7).

Forever 21 has this genius, vintage-looking faux leopard coat. I’d wear this with very quirky and vintage-inspired pieces: dark/gray tights, a bright-colored dress and maybe high-heeled oxfords? (8). This shorter jacket from Forever 21 is good for a boots/jeans/scarf day, when it’s too cold to dress up (9).

ASOS’s Kylie Minogue-inspired jacket looks almost like a dress. So pretty (10).

I love plaid, and Nordstrom’s bomber jacket with a great black, gray and white print is chic and practical (11).

My absolute favorite coat of the bunch is this bold plaid version by Forever 21 (12).

The most inventive style here is this plaid coat from Urban Outfitters: see the drawstring hemline? (13).

Last but not least is this classic and sexy maroon coat from Urban Outfitters (14).

Take your pick: which coat is your favorite?

Anyone who reads lots of fashion or style blogs should have heard of The Sartorialist. It’s an intelligent, photo-filled fashion blog filled with inspiring photographs of everyday people in interesting outfits on the streets in various cities.

A lot of the time you have to assume that the people Sartorialist founder Scott Schuman photographs are wearing vintage or secondhand finds because of the uniqueness of their clothing. Schuman does not often snap someone in identifiable clothing–i.e. anything with bold logos or recognizable graphics. The exception to the vintage assumption is, naturally, NY Fashion Week. The photos he takes in and around Bryant Park feature a lot of stylish women probably wearing a lot of expensive clothing. I doubt women wear anything from a secondhand shop to Fashion Week…unless it’s secondhand designer!

How can you emulate the cool, street-style of these women given their 15 seconds of fame via The Sartorialist?

I’ll show you.

This girl has managed to look both stylish, individual AND comfortable. Luckily, Victoria’s Secret makes a dress similar to the one she’s wearing:

Her gray shoes add a bit of flavor, where black shoes would have just melted into her tights. Try these from Payless. They’re cute and really inexpensive. To finish off, a black coat with a great cut and trendy quarter-length sleeves.

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Buying a coat this season just isn’t what it used to be. Thank God!

Circa 1995-2006, the routine was: enter store… feel force of pull to the racks laden with black wool… select shapeless style in the name of warmth and utility… hope for sale price… justify boring purchase with “It will go with everything!”… check out, go home, envy other people’s cool coats all season long.

Not this year. I’ve decided to forgo shapeless for a waist-cinching belt. I’ve decided to go for a 3/4 style so that the look is sophisticated, not like wearing the same wool peacoat I purchased in college or the long coats that make short people (like me!) look frumpy. I’m looking for color — maybe even pattern! And I’m willing to buy two — a conservative style as a classic investment piece, and then a moderate or cheap one “for fun.”

Here’s the catch — neither coat can be black, unless that black is in a pattern. That’s the whole point of this style update — break out! I’d like the investment piece to be neutral — after all, I do have to look professional and a bubble-gum pink wool coat likely won’t have me taken very seriously. But the “fun” piece can be as bold as I dare.

So right now starts the No-Frump Winter Coat Challenge. I’ve started adding a few contenders to my StyleFeed… let me know what you think.

Should I go for a to-die-for color?

Fun pattern and a belt?

Frilly, feminine details?

Hurry, people! It’s getting chilly!