In these type of emergency situations, I always head to my top dresser drawer, and pull out a miracle working headband.
I used to think that I wasn't a headband girl, that only certain people could pull it off. But, one day I gave it a try, and now I can be seen sporting a headband several days a week. Considering the alternative, I feel like I am performing a public service.
I do have a few rules for myself though. For instance, I choose a wide headband for minimal accessories days. But times that I am wearing large earrings or a statement necklace I go with a narrower, more subtle headband. Also, when I first bought headbands I would only buy solid colors because they went with more. But then when I found a great deal at J Crew on a bright patterned one, and found that it brought me a lot more compliments (and I'll do anything for a compliment), also, since it has a lot of colors, it goes with practically anything solid-colored.
Speaking of J Crew headbands. I love them. They don't make me feel like I have my head in a vice, and they have the best patterns. I love them. And I would do anything for love, except spend $25.00 on a headband. I just can't. No matter how much this one calls out to me!
However, there are these things called sales, and clearances, and additional % off clearances. Which is how I have acquired most of my headbands (and I have never paid more than 6 bucks!). But, the best place is a J Crew outlet. They have giant selections for a great price.