If you aren't fashionably inclined, there is still hope. And it doesn't require overhauling your entire wardrobe. All you need to do to look good is buy one thing: a pea coat.

Unless you get one that doesn't fit, there is no way to mess this up. It looks dressy or casual and can be worn with thermals underneath or a fancy shirt and sweater combo.

And there's no need to spend an arm and a leg on one -- this one from Schott, a maker of coats since 1913, will run you only $188.

I can't vouch for any fashion calamities under the pea coat.

[$188, Schott NYC]

[via Valet.]

Related: Roundup: The Layered Look -- Looking Hot No Matter What the Weather Is