Dress: c/o House of Fraser
Jeans: ASOS
Shoes: Topshop 

For me, the best style at winter time involves that kind of un-obvious layering; a turtle neck under a shirt, say, or culottes layered underneath a longline tunic. Dresses over jeans is one of my go-to styles, especially during colder weather when a girl just doesn't want to wear tights. The trick is getting the silhouette right so it doesn't look too bulky - go for slimmer on the leg and looser on the dress for a contemporary look (rather than a '90s throwback).