Hi Viz Jacket/Vest on a budget ???

[shouldbeinbed]

Reflective polo shirts from a fiver or so, used over a softshell etc for enough water resistance to get you by 99% of the time.

Or the vastly underrated and 'screams cyclist much more than builder walking home' Sam Browne Belt.
You can wear it with your existing clothing choices too

 

[Pat "5mph"]

Stole one from my work, was very cheap

 

[mrandmrspoves]

Stole one from my work, was very cheap

Ooh you crim!

 

[potsy]

Stole one from my work, was very cheap

 

[defy-one]

I think somebody didn't read the question

I did ..... but i'm a rebel

 

[Andrew_Culture]

I've got a sky ride hi viz you can HAVE.