I have a love/hate relationship with Urban Outfitters. I fall madly in love with everything on the racks, but hate how much they charge for shirts, skirts and dresses that usually fall apart after a few go-rounds in the washing machine. But then I fall in love again when those trendy little Urban employees stock the sale racks with all that gorgeous goodness.

The Urban sale section might be one of the only ones I’m willing to elbow, shove and push my way through. They have some of the best deals around on some serious cuteness, much of it $19.99 or less! Here are some of my favorite pieces that are all under $20. The best part: you don’t even have to leave the comfort of your couch or tempt yourself with the rest of the overpriced items en route to the sale section.

This dress will look fantastic with some tights and a skinny belt around the middle. Mix it with an oversized cardi or sweater coat and you’ve got a super cute outfit for a night out.

I. Love. Tunics. They’re big, they’re comfy but they’re also painfully chic. You can pair this one with some leggings, a cozy sweater and some knee boots and look put-together yet totally comfortable for class.

I wouldn’t normally classify a sweatshirt as “cute,” but that all changes with this 80′s-inspired number. The shape and zipper give this comfy go-to an instant update, which gives your going-to-class look an instant lift.

Tights are an essential for fall/winter and colored, textured tights are a great way to brighten up an outfit without going overboard.

Purple and studs are both major trends this season, so this shirt (or dress, depending how you see it) is fashion perfection. Slip this on with some leggings, a pair of ankle boots and a leather jacket. Drool.

The perfectly worn-in tank. It’s super soft and comfy, but also slightly see-through and sexy. And if you feel like venturing out into the cold, it comes in lots of other fun colors in the stores.

While most people can’t really pull off a hat like this, I highly recommend you try. It’s pretty much the only hat I’ve seen that will keep your head warm in the winter while also being totally worth the hat hair.

An over-sized envelope clutch is not only a great way to carry all your goods, this one can really make your ensemble with its teal reptile print.

The recession is bad news for anyone looking to get a job, save some money or sell a house. But it’s great news for fashionistas! Stores that were once dowdy and just screamed “crazy cat lady” are bringing in new designers to create chic lines at lower prices.

Take JC Penney. When was the last time you stopped in there (not counting those post-Starbucks bathroom emergencies)? I know: never. Because their clothes were cheap, outdated and just not cute. Well, that’s not the case anymore! JCP now sells several lines by popular designers (Charlotte Ronson, Nicole Miller, and Allen B. Schwartz, to name a few) and they not only have stuff that is totes cute, it’s totes affordable as well.  I can’t wait to add some of these pieces to my closet…

It’s no secret I am lovin’ all the plaid that’s out right now, and I think this shirt is particularly cute.  Reminiscent of a  lumberjack, with just the right amount of girliness to look feminine and fab.

This skirt is a great addition to your fall wardrobe, as it can be worn bare-legged or with a pair of tights.  Because of the simplicity of the skirt, you can have some fun by amping things up with a funky printed shirt, bold accessories or textured, printed or bold colored tights.

I love the print and details (belted waistline and ruffles) of this dress and, again, it’ll transfer over to colder weather with tights and a cardi or sweater coat.  It’ll look great with flats, boots or a pair of menswear inspired oxfords.

I think this tunic is totally adorable with its cut and flowy chiffon. Or perhaps because I have an affinity for owls thanks to Harry Potter…

Flowy tanks are not only trendy, they’re versatile and they’re great for these transitional months because you can easily layer with ‘em.  This’ll look especially cute with a boyfriend blazer and the bonus is that you can slip it off when you’re in a warm place and still look totally stylin’.

Fall/Winter is all about neutrals, which means grey jeans are a great way to wear denim with a bit of a twist. You can rock grey with black or the popular jewel tones of the season.  And hey, who doesn’t love jeans that are under $15?

Winter is fast-approaching and soon it’ll be time to bust out the scarves, mittens and hats soon.  Houndstooth is a timeless print that translates over for every season and is a great way to add a bit of oomph to your cold weather ensemble without going overboard. And you can get it in four different colors, which makes it that much cooler.

I’m all for wearing an all-black ensemble out to the bar, but only if there is something fun and fabulous to spice it up. Like this bag. Snakeskin, a metal handle, and a hot mixture of gold and black is the perfect combo to add some va-va-voom to your otherwise neutral look.