A cardigan and a white and black long sleeve t-shirt are the kind of a tested casual combination that you so awfully need when you have no time to dress up. Break up this getup with a smarter kind of shoes, such as these burgundy leather derby shoes. Keep this combination in your front hall closet come spring, and rest assured, you'll save a ton of time trying to pick out what to wear on more than one morning. If you're not sure how to dress appropriately for your age, this combination is a real life saver.