I've tried this before, the chambray shirt and cardigan combo. The sweater didn't work so well then (and I don't think I had a mustard cardi), and it's not working so well today either. My sweater is too small, I guess, and feels just weird on. But, I went with it.
So, pants are Dockers
Chambray is from Kohls, I think.
Sweater from Loft
Belt is Loft
Necklace from Jane
Wearing my frumpy brown clogs too.