You stated that you do not have a lot of money. Like you, I am very poor. I am handicapped with neurological problems. I always laugh at threads with Aryll jackets and the like, because I am one of the few people who cannot spend $200-$500 on a kilt jacket. This is the outfit I wear to formal events.

1. I wore a SWK, www.stillwaterkilts.com in blackwatch tartan to my brothers wedding last year.
2. A black, 3-tassel sporran on a silver chain.
3. Black kilt belt with silver buckle.
4. White long sleeve shirt from wal-mart.
5. Solid green tie from www.solidcolorneckties.com.
6. Off-white hose with green flashes.
7. Black one-button Eton jacket from http://www.uniformalwearhouse.com/ap...ojackets4.html

For a funeral wear a black tie and black flashes. If you are getting married wear a silver (or platinum) tie if you are a Scot, and a gold tie if you are Irish. The flashes should be red, green, or blue.