Cozy but Cool: Layering Formulas That Actually Work

SkyeChanel
Nov 11
3 min read

There’s an art to fall layering — one that keeps you warm without hiding your personality. For me, it’s all about mixing textures, playing with proportions, and balancing cozy with cool. Whether I’m running errands or styling a look for content, these are my go-to outfit formulas that keep me comfy and collected, even when the weather’s moody. (You can find the links below!) Let’s get into it — here are 5 layering formulas that actually work (and how I make them feel like me).

1. Bodysuit + Mini Skirt + Oversized Blazer + Tights

Brown blazer, bodysuit, cow-print boots, and a bag with a denim skirt on an autumn background. Text: Steve Madden. — Brown blazer, brown bodysuit, cow-print boots, tights, and a bag with a denim skirt

The classic cool-girl combo. I love a ribbed or mock-neck bodysuit tucked into a pleated or printed mini. Add a structured blazer (bonus points if it’s vintage), sheer tights, and statement earrings. It’s polished but still playful.

Try this: Swap the tights for a patterned pair and go for knee-high boots if it’s extra cold.

2. Chunky Sweater + Slip Skirt + Tall Boots

Gray sweater, olive green skirt, silver boots, and navy bag with keychains displayed. Background shows a blurred autumn street scene. — Gray sweater, olive green skirt, silver boots, tights, and navy bag with keychains

The contrast of soft and sleek. I reach for slinky slip skirts in rich tones or subtle patterns and pair them with thick knits that add bulk up top. Tall boots complete the look without needing a full coat.

Stylist tip: Tuck just the front of your sweater to define your waist, or layer a cropped vest over it for extra interest.

3. Turtleneck + Denim Overalls + Cropped Jacket

Denim jumpsuit, white turtleneck, black leather jacket, brown handbag, cow-pattern sneakers on a blurred autumn background. — Denim jumpsuit, white turtleneck, black leather jacket, brown handbag, cow-pattern sneakers

This one’s perfect for chill days. A fitted turtleneck (bonus if it’s striped or ribbed) keeps it snug underneath. Throw on overalls — they’re cute and functional — and layer with a cropped corduroy or puffer jacket.

Make it you: Add fun earrings or a printed scarf to pull it together. I love mixing in a pop of color or pattern here.

4. Long Sleeve Dress + Shacket + Tights + Booties

Tan jacket, burgundy dress, denim bag, heeled boots on leafy path with autumn foliage. Outfits and accessories are outlined. — Tan jacket, burgundy dress, tights, denim bag,and heeled boots

For when I want something easy but styled. A long sleeve ribbed dress or sweater dress is comfy but structured. Add a shacket (shirt-jacket) or longline flannel, then layer up with tights and chunky booties.

Extra detail: Belt your shacket or add layered necklaces — small styling touches elevate the whole vibe.

5. Graphic Tee + Cardigan + Wide Leg Pants + Beanie

Casual fall outfit includes a white t-shirt, leopard-print cardigan, light jeans, plaid bag, and brown loafers, set against a blurred autumn background. — A white t-shirt, leopard-print cardigan, light jeans, plaid bag, and brown loafers

This one’s cozy and laid-back. A graphic tee tucked into wide leg trousers or corduroy pants, topped with an oversized cardigan. If it’s cold, I throw on a beanie or wrap a scarf for that “I didn’t try too hard” energy — even if I did.

My rule: Keep one item bold — like printed pants or bright earrings — and let the rest anchor it.

Final Thoughts:

Fall style doesn’t have to be bulky or boring. With the right base layers and a few statement pieces, you can stay warm without sacrificing your personal style. And the best part? These formulas work with both thrifted gems and what’s already in your closet.

Let me know in the comments — which formula are you trying first?

Until next time, -skyechanel

SKYECHANEL