There are some viral fashion trends that feel completely inaccessible — either due to their prohibitive cost ($1200 rubber thongs, anyone?) or a distinct lack of wearability (we're looking at you, "sneakerinas").

But occasionally a trend cuts through that feels approachable, desirable and affordable. And that's where you should be putting your hard-earned dollars, as far as we're concerned.

Watch: We test out the Style Maths method. Post continues below.

As of late, a $39.90 scarf from Uniqlo has become the second most famous red scarf on the internet.

We probably don't need to tell you that the first belongs to Taylor Swift, and currently resides at Jake Gyllenhaal's sister's house, according to Swifty lore.

The Uniqlo find has been called the "perfect chunky scarf for winter", and it's all over TikTok right now, with users praising its oversized shape and on-trend shade.

The 'Souffle Yarn Chunky Stole' also comes in a range of neutral tones including grey, cream and black, all of which are getting their share of coverage.

The $39 Uniqlo scarf has been heavily featured on TikTok. Images: @sophtov; @sonamjyitt; @imogen.stokes

Whether you snap up the Uniqlo option or a similar find, a statement scarf is always going to be a smart purchase for winter.

It's one of the cheapest styling tricks in the book, with the power to elevate any outfit in an instant.

Beyond TikTok, shawls are having a moment in the luxury fashion space.

It's been a minute since we've heard the word 'shawl' in the zeitgeist (okay, maybe a few decades), but, in reality, they never really went away. They've just been hibernating at the back of your local department store, waiting for a new generation to discover their versatility.

Now, thanks to contemporary designer brands like Khaite and The Row, cashmere shawls and wool stoles are having a chic resurgence.

Images: Pinterest.

And the styling possibilities are endless. You can wrap one over your coat, team it with a knit in a matching tone, or even style one like a poncho, cinching it with a waist belt.

It's giving luxe on a budget. Just what we need in this economy.

For further proof that you don't have to splurge to look stylish in the cooler months, here are more cosy finds that punch beyond their price tag.

Shop luxe winter finds under $100.

Cotton On Luxe Collar Zip Thru, $79.99.

This knitted bomber is the perfect neutral shade.

Image: Supplied.

NA-KD Knitted Lurex Singlet, $55.95.

The Swedish high street brand is a treasure trove of stylish finds, and even offers free shipping to Australia.

Image: Supplied.

Target PU Straight Leg Pants, $50.

These look SO legit, and the cut is spot on.

Image: Supplied.

Glassons Relaxed Knit Cardigan, $49.99.

Powder pink is another on-trend shade that looks so cool in cardigan form.

Image: Supplied.

H&M Fluffy Collar Twill Jacket, $89.99.

Can't believe this faux fur collared coat is under $100.

Image: Supplied.

Zara Soft Ribbed Trousers, $55.95.

Sofia Richie Grainge, is that you?

Image: Supplied.

Feature image: TikTok @imogen.stokes ; Pinterest.

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