There plenty of stores – like H&M, Target, Old Navy and Benetton – that sell great knock-offs of expensive designer suits, which means it’s easy to find a bargain beauty for less than $40.

“It’s affordable, disposable chic,” says McDougal of the copied creation. “For those days when you just want to get a tan and don’t want to mess up your expensive, fancy suit with lotion, it’s very convenient.”

Flipping through catalogs like Newport News, Victoria’s Secret or J. Crew or shopping on the Internet is a good way to find cheap buys.

In the meantime, here are our suggestions:

* This halter-top, full-piece black suit with silver-circled belt can be sexy without showing too much skin (H&M, $15).

* You’ll blend in like a tropical fish in a striped bikini from Old Navy, left, ($21) or H&M ($18).

* This two-toned, ocean-blue triangle bikini is adorable, adjustable and affordable (Mossimo for Target, $40).

* Colors like cherry and turquoise are super hot this season, and this Cherokee floral bikini is just $30 (Target).