If your not quite ready to commit to a skirt. How about some great Forever21 studded flats. They come in Navy and Black, and at $14.80 you can surely afford both.
If you still haven't found your perfect Studded Skirt, just surf on over to Forever21.com. This one is from the Forever21 collection and is only $19.80. It would look great with a plain white T-shirt. Dress up or down.