7. Convertible cross-body bag
A convertible bag is a must-have piece of accessory for those living on a budget. If you only have the luxury of getting one bag, opt for one that can be worn in multiple ways. For instance, you could find bags that can be worn as a shoulder bag or a clutch and even doubles up as cross-body bags. Opt for one in a neutral tone, so it can go well with everything in your wardrobe.
Image Source: Zara
