Hit or Miss?

I have this skirt I absolutely adore from Urban Outfitters, but I never know what to wear with it!
I pair up this outfit, but I'm just not sure about it. So tell me what you think or how it could improve. :)

PS. I tried to crop and edit this photo, but when I did blogger kept rotating them. :( boo. (so I apologize for the view into my messy closet and top of my dresser)


Skirt: Urban Outfitters
Shirt: Old Navy
Cardigan: Target
Belt: Papaya
Shoes: Target