Today's Everyday Fashion: Ruffles

As you may recall from a recent shopping post, I ordered both the pink ruffle top I'm wearing, and the matching skirt on clearance from Target. I was considering wearing them together as a dress, but this old ivory ruffle skirt had a similar fit and looked cute with the top, so to be economical I went this route instead. This skirt is not all that practical for errands, but I like it for a casual dinner or lunch. Sophisticated but still in comfy flats - now that's what I'm talkin' about! Where would you wear this look? 

Shirt: Target, $13 (now $8)
Skirt: Urban Outfitters, $25
Belt: Gap, $10
Cardigan: H&M, $18 (similar)
Shoes: Diba/Nordstrom Rack, $40 (almost identical)
Necklaces: Banana Republic, My Stella & Dot website charm $17
Watch: Michael Kors, family gift
Rings: My Stella & Dot website $49
Bracelets: Banana Republic $10, My Stella & Dot website $59 and $59

1. Urban Outfitters skirt, $19 
2. Urban Outfitters skirt, $49
3. Urban Outfitters skirt, $54