You Own ... A dark pencil skirt and thin sweater or cardigan thrown over a white camisole.
You Need ... A ton of chain necklaces. The metallic color brightens up the outfit -- and it's something you'll be able to wear throughout the year (as I talked about recently in a post on metallic shoes). You can also substitute the chains for multiple strands of pearls, as long as your sweater or cardigan isn't white.
You Own ... A T-shirt and jeans, because you work in an ultracasual office or from home.
You Need ... A white or light-colored blazer to throw on when you do have meetings. The light shade will make your outfit crisp without creating the stodgy effect you have come to avoid. Don't forget to roll up the sleeves!