Who says the ladies who lunch only shop on Madison Avenue? Everyone's counting pennies and shopping smart so that after all the gift buying is done, they'll still be able to indulge on some stylish holiday attire for all those glitzy parties.

The good news is that if you're a smart shopper, your holiday party attire doesn't have to suffer. By tapping into off-price retailers' holiday stock and keeping an eye out for sales, the wisest shoppers can indulge in a little more of both.

Prices at Marshalls-which is one of the nation's leading off-price family retailers-are up to 60 percent off of retail every day, but this holiday season they've stocked up on a special collection of dazzling apparel and accessories for even the most elegant holiday outings. With savings like that, you'll be able to afford a sassy clutch to perfectly match each and every pair of bejeweled slingbacks or strappy-heeled sandals.

"For many of us, this is the only time of year to dress in something truly eye-popping," says style expert Jenn DeBarge-Goonan. "With these kinds of prices for quality, in-season merchandise, you'll be the envy of every party-especially when you reveal how much you saved."

Whether you're looking for demure elegance or va-va-voom, this season's beaded and sequined holiday look is within reach-for less. For holiday, DeBarge-Goonan suggests faux fur capelets, cropped jackets, gloves, beaded blouses and cocktail dresses.