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Can't add much to the wise advice above, but I do want to add empathy. I've been in this situation way too often. The responses to my WIW posts have helped me immensely. With your outfit, I think all you need is to switch to a white top -- a tee as Lisa and others suggest or a crisp white shirt buttoned to the top as Anna mentioned. I used to think the buttoned up look was dorky, but I've been doing it more this winter and am really liking that it's having a fashion moment.
I think that a layering turtleneck would work nicely under the chambray shirt. Maybe in black as a column of color or in white to pick up the white from the soles of the shoes.
I think I may copy you but with the turtleneck. I also have a long gray sweater that needs to get worn.
I like the overall look, it only needs minimal tweaking.
I see something in this picture that I have wondered about when I look in the mirror many times. Where should an open cardigan fall in the front? I tend to adjust and readjust between the cardigan being fully open, hanging straight from my shoulders, and being pulled semi closed, like you have here, parallel with the lines of my neck. I wonder if wearing the cardigan more open would improve the lines here?
I agree with some who said a white tee (semi-tucked for me) with a belt and maybe some silver jewelry would be the main change I'd make. And scrunching the sleeves. If it's warm enough, I might roll up the pants too.
I am wearing Nike Court Classic Ultra Leather Women's Shoe in black/white. I bought my correct size and they are a little bit big on me. I wear thick socks to correct this (oh and I tie the laces tight). I bought them from Nike.com because Nordstrom did not have my size.
