To avoid messy makeup spills on clothing, the best option is to get dressed AFTER you apply your products. However... if you are intending on wearing a garment with a small neckline (for example) this could prove just as messy, especially if the clothing is black or white. The last thing you want to see is smudged foundation or bright lipstick stains on your clothing.
A really cheap and easy way to avoid messing up your clothes... and your makeup... is to place a couple of tissues around the neckline. (see demonstration picture below)
This simple technique will prevent :
1. Foundation rubbing off onto clothing as you apply it to your jaw line.
2. "Fall out" from loose powder.
If you have forgotten to do this and your main concern is lipstick smudge as you place the garment over your head..... simply place a tissue gently between your lips at the time of dressing.
Back in the day.... a morning jacket was used to protect clothing - you may be able to adapt something in your wardrobe to fit this purpose.