I hate to admit, but Urban Outfitters is probably my favorite chain store to shop at. I've only been to this store twice and both times on Boxing Day. With that in mind, I must say that this place is a hectic zoo, but you can get some really really good deals if you want to get there early and search through the sale racks (the sale is usually 50% all sale items).
My sister, a more careful shopper than I, has gone out of the store with a blazer, shirt, dress, and two pairs of BDG pants for under $40.