If you want to incorporate loafers into your winter outfits, make them a little cozier by wearing them with socks! You can even wear the socks over a pair of tights if you need extra warmth when wearing a mini skirt. LTKSeasonal

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New Winona penny loafers in Italian spazzolato leather | J. Crew US
The Essential Medium Bucket Tote | Madewell | Madewell
100% LEATHER LONG JACKET | Zara US
The Crew Cardigan in Alpaca | Toffee | Everlane
The Dream Mini Skirt | Black | Everlane
Cashmere-blend trouser socks | J. Crew US