She's wearing a scarf, a shirt-jacket and a denim skirt.
The scarf may seem an odd choice with this, but I LIKE them together, so I threw it on over the jacket, with a devil-may-care attitude.......
I just realized I didn't get much of a shot of the skirt.
It's just a fairly simple (yet nice) denim skirt in a nice color that works really well with the jacket.
You might be surprised to find what a nice outfit you can put together if you visit your local thrift shops with any regularity!