a different kind of shopping

I did a different kind of shopping for this outfit. I shopped my husband's closet. I pulled out a couple of sweaters that I think will make decent outfits if belted and paired correctly. This outfit is the first of the two, however, this one fits Nate a little snug making it not as baggy as I wanted. Also, it was unintentional that I paired navy and black. I actually kind of liked the colors together, and there is enough other colors and separation in the outfit that it look alright. What do you think? Anybody have a standard rule of thumb when it comes to mixing colors like black and navy, or brown and black?

The Scoop
Sweater- American Eagle via The Husband
Skirt- Target
Boots- Aldo