Cold winter weather calls for a cozy cardigan! For a preppy fall or winter outfit idea, layer it over a white Oxford shirt, navy mini skirt, knee-high boots, and accessorize with gold hoops and a suede bag.

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14K Gold Everyday Hoops | Quince
Italian Suede Bucket Crossbody | Quince
The Dream Mini Skirt | Black | Everlane
The Crew Cardigan in Alpaca | Soft Rose | Everlane
The Must-Have Shirt in Silky Cotton | White | Everlane
Hanna Tall Boot (Women) | Nordstrom