M.L.
Read a few fashion blogs, they give me tons of ideas. A few of my favs, they love Loft too:
http://laviepetite.blogspot.com
http://www.thedaybookblog.com
http://www.wendyslookbook.com
http://www.clothedmuch.com/
http://dwellingandtelling.blogspot.com/
To start, get cute leopard print scarf, or ballet flats, a mustard flower corsage pin, a distressed chambray button up, a colorful cardigan and a skinny belt... a big ole bright statement necklace and chunky bangle set.
H&M, anthro, forever 21, LOFT, gap, all cute... marshalls is a good place too! Also, I get a lot of vintage clothes on http://www.etsy.com