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This week, five New York women help Serena illustrate the

. Anne, a trend forecaster for

, for instance, is wearing a $34.50 dress from H&M, but she pairs it with $395 Miu Miu sandals and a $785 Goyard tote. The quality and simplicity of the inexpensive dress — it’s not a pattern that will go out of style in two months — is key. It doesn’t look like high/low — it just looks chic.

And Anne, who gets to travel for her job, offers an 11th rule: Shop around when you can. “Always check out fast-fashion stores in other cites; the merchandise can vary from place to place, and the racks will be less picked over than the New York stores.”

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