If one of your New Year's resolutions is to wear more color, then take a cue from Taylor Swift and pair a navy sweater with a mustard yellow skirt and red pumps for a casual, ladylike look. My affordable take is below.
I have that exact skirt from Modcloth! (If Taylor shops modcloth, that is.) See it on Jean from Extra Petite here: http://www.extrapetite.com/2011/08/loving-now-mustard-yellow-pleated-skirt.html
Man can climb to the highest summit, but he cannot dwell there long.