The credit crunch is upon us, and one of the first luxuries that gets tossed by the wayside are pricey trips to the salon. Cosmopolitan has a slideshow of 20 different hairstyles that make it easy for long-haired recessionistas to revamp their look without opening their wallet.

For example, the key to get Hilary Duff’s updo right is resisting the urge to make it look too done. Just leave the hair around your face down and gather the rest into a low, super-loose bun.

If you have no idea why your stylish loose and soft curls don’t quite pass muster, maybe you should try some tricks on your fringe. Reese Witherspoon shows how a little work on bangs can make a big difference.