I've been asked a lot recently how I build my wardrobe modestly while still keeping it my style.Goals of my style: simple, modest, inexpensive, feminine, and practical. I prefer skirts and solid colors (especially blue -- how is that 3/4 of my wardrobe is blue, gray, or black?) and comfortable clothing. Although, a lot of these tips could be applied to most anyone's style. :)
So, here are some things I've found helpful:
Wardrobe Saver #1: Seamless Camisoles
I LOVE these things. I put them under everything because they can fix so many outfits. Shirt too low? Camisole. Shirt too thin? Camisole. Shirt too short? Camisole. Shirt hugging the wrong places? Camisole. I'm convinced without these, half of my shirts would be indecent and unwearable.
It's hard to find them, though, because most of the time they're either cut really low OR they have a built in shelf bra which is uncomfortable, too low, or bunches up. The key is to buy "seamless" ones, which are hard to find, so when you do, buy several. I just found some today at Walmart for 2.97 each. My old ones were starting to lose shape (and thus get too low) so this was perfect timing.
Wardrobe Saver #2: Leggings
As a little girl, I used to traipse around in skirts and dresses playing outside, running around, crawling on the floor with children, and doing pretty much everything else. So, leggings were my best friend (especially in the frigid state of Montana) and I always wore some under my skirts. I'd kind of forgotten about them until this last year when I had a couple skirts that just barely hit my knees and I felt like were too short. Enter: leggings. Not only are my knee length skirts now multi-seasonal, but the leggings underneath make me feel more comfortable and give me more coverage. Yay, leggings! "Footless tights" are cheap and snug in the waist so you have less bunching. I've bought them in the girls' section plenty of times because a kids' XL seems like it's the same size as a women's S and it's about two dollars cheaper.
Wardrobe Saver #3: Men's Section
I buy basketball shorts (that go to/past my knees), compression shorts (for under shorts and skirts), tank tops (an alternative to seamless camisoles for under sports jerseys), swimming trunks (sometimes they have cute flower patterns and bright colors), and tshirts from the men's section. :Gasp: The men's section is the only place I can find athletic shorts and swim shorts that are long enough for my tastes and standards. Not only that, but I can usually find them for under $10 each, so it's budget friendly too.
Wardrobe Saver #4: Maternity Clothes
Ok, so it's a little weird, but maternity shirts are usually longer for extra coverage. Also, I am LOVING maxi skirts with elastic waist bands. They're comfortable, cute, and I can wear them to work.
Wardrobe Saver #5: Basics Stock-ups
I usually try to keep my eyes open for simple, plain, cheap short or long sleeved shirts that I can layer with or wear by themselves. They're a little dressier than an athletic tshirt so I can wear them to work or social functions like showers, etc. but not dressy-uncomfortable. This past year I found some simple short sleeved shirts at Old Navy for $4 and $6 each, I think. I got a couple colors and can pair them with pretty much anything in my wardrobe. During the winter I found the same style in long sleeve, so I have several of those as well. Moral of the story: if you find well-priced, versatile basics, stock up.
Wardrobe Saver #6: Buttonless Short Sleeved Sweaters
I love putting these over sleeveless shirts or tanktops or dresses that I couldn't otherwise wear on their own. I have a few of the longer/full length shirt ones that are comfortable and casual that I like to wear with skirts or even jeans, and the shorter ones I like to wear over dresses. Dare I say that the cute denim jacket I have even borders "trendy". ;)

Bonus Tip: Swim Suit
Swim suits, ugh. Why it's ok to wear underwear-similar clothing while swimming but not to the grocery store is beyond me. But, try to buy a modest non-bikini swim suit, and you either have to spend a gajillion dollars, or compromise for one that works in one area but not another. I know this is a struggle for a lot of girls to find modest yet affordable swim wear.
What I've done is purchase a pair of men's swim trunks (like I said earlier, you can usually find Hawaiian flowers or at least a cute color) that hit your knees for about $10. If you're not a shorts girl or are going for a more feminine look, you can also find some women's swim skirt bottoms (if you look enough places and find a clearance deal) and some cheap yoga capri pants to put under them instead of the men's trunks.
Then, I head over to the women's section and find a "sweat wicking" athletic top for anywhere from $8-15. I've tried the tank tops with built in shelf bras as well as loosely fitted tshirts that I wear a sports bra underneath. (Make sure your sports bra is thick enough or wear a bikini top underneath so you're covered and comfortable... ya, learned that one the hard way.) I know other girls who have purchased a tankini top from a site like LimeRicki or even from a normal store like Kohl's or Target. I haven't had much luck with that because I can't find any that aren't too low cut in the chest so I prefer the loose athletic tshirt style.
What are your modesty tips and tricks? I'm always looking for advice...