Wear it 3 ways

The day I wore this outfit, I started out wearing it as a skirt but it didn't work with the top I wanted to wear with it. I've always worn it as a skirt; Then I remembered it was a "wear it 3 ways" kinda outfit so I wore it as a tube dress; and for modesty I added the cardi.

Dress/skirt - Avon (mark), Cardi and belt- Target, Shoes - Old Navy, Necklace - F21