To belt or not to belt...

To belt or not to belt is the question of the day. I wore this without the belt to meet with my first client, and just because I love change, I added the belt and removed the necklace for the rest of my day.
Dress and Earrings - Express, Cardigan - H&M, Scarf and Necklace - Forever 21, Tights - Hue, Boots - DSW

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