I need some kind of hard-and-fast rules on belt wearing, if there are any. I'm a petite inverted triangle with a big-ish bust (38C, but it looks bigger on my small frame) and a short waist. I love the look of belts on others but I'm aggravated with trying them on myself.

I had read that the short-waisted should avoid wide belts and belts on the natural waist, and instead go for skinny belts down over the hips. But when I try that, I feel like it looks weird, and that belts up on my natural waist look better. Am I deluding myself?

A few pictures of different belt styles as an example:

A wide belt on a sweater dress, a bit lower down - this is the kind that's not supposed to work on me.
http://lh4.ggpht.com/_GkbfDyw7.....G_2950.JPG

A skinny belt over a cardigan, on the hips. Later on I moved the belt up to my natural waist and I thought it looked better...see here how it's making the cardigan do that weird peplum-y thing below the belt?
http://lh6.ggpht.com/_GkbfDyw7.....G_2953.JPG

A skinny belt at my natural waist:
http://lh6.ggpht.com/_GkbfDyw7.....G_2767.JPG

Help me out! Also, my husband is making me self conscious about it because he apparently hates all belts on me. He says they make me look short.