Navy and Red Pencil Skirt Dressy Outfits After 60

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Silver Earrings Silver Necklace White Horizontal Striped Long Sleeve T-shirt Grey Cardigan Dark Brown Leather Belt Navy Denim Pencil Skirt Black Fringe Suede Tote Bag Brown Suede Ankle Boots

This pairing of a grey cardigan and a navy and red pencil skirt is a mix between formal and relaxed. As for footwear, complete your ensemble with brown suede ankle boots.