There are 3 formal nights on our upcoming cruise and I'm trying to come up with one more formal outfit without having to buy something new.

I have had this little beaded top (Ann Taylor) for years. I used to wear it with silver silk ankle pants ages ago and have hung onto to it as I love it so. I paired it with this silk/bubble hem type Ralph Lauren skirt.

What do you gals think? I would probably buy a different cami for underneath, but used this one for the time being....is this frumpy?

Which shoes: Black in 3-4, Gold on the right nude on the left in 5 and 6...

Thanks so much for your help!

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