It's cold ya'll.  I've had this dress for three years now and I love it but I would always stop wearing it as soon as the cooler weather blew in.  But this year I had an aha moment and started wearing it over long shirts.  Why didn't I do this sooner?  My wardrobe options just tripled.

Dress: Mossimo (similar here)

Shirt: JCrew Factory Store (similar here)

Steve Madden 'Intyce' Boots

JCrew Factory Skinny Calf Hair Belt, Necklace: Banana Republic Factory Store