One of my biggest struggles when the weather gets cooler is that I just want to throw on something that's warm and go on my way.  At the same time, I don't want to look like a lazy bum.  The perfect solution?  Right before you throw on your favorite Little Mermaid (or whatever) sweatshirt, put on a collared shirt first underneath.  Now, you've added a cute little touch to your look, plus an extra layer for warmth.  Yay!

Purple Purple Label beanie, Forever 21 sweatshirt & collared shirt, H&M leggings, Converse sneakers

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