I am a very down to earth woman, with a frugal spending mentality - but my style is not hindered by these traits. Classy and sophisticated does not have to cost a fortune. ;-)
Everything I pick for my sets are realistic and affordable items (for the most part, with the occasional 'splurge'). If something is crazy expensive in a set, it is most likely "similar looking" to something I already own - or have seen elsewhere - but couln't find on Polyvore, so I used a "more expensive" substitution.
I assure you - I will probably *never* own a $600 pair of shoes. Nor a $10,000 necklace. Lol.