I wear a scarf with a button front shirt often. I have large squares that I bias fold and tie like a man's tie, or use an oblong the same way. I pop the collar on my shirt. My other favorite way is using a 36 inch square. Put it on a flat surface, fold in half with the fold at the top and the open end nearest you. Take the upper right and lower left corners, pick up and put around your neck. Tie those two ends together, adjust so you have a pretty drape-y cowl effect. Very easy once you get the knack of it, this is the one I do most often. And it looks nice under a blazer, too.