In my opinion, navy and white is one of the most classic color combinations (other than the preppy favorite pink and green, of course). Navy gives off a really sophisticated yet nautical touch to any outfit! I consider navy a neutral (duh) but I find it easier to wear and less "harsh" than a black.
I wore this outfit last weekend for church and I'm obsessed! The white oxford and navy skirt along with a statement peal necklace give the outfit a timeless touch while the gingham wedges (which I bought during the HCBN Charlotte meetup, which I'll be sharing more about on Friday!) add a bit of fun into a neutral outfit!