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You can wear a scarf with any outfit, during any season, in any number of variations and for any darn old reason you choose. Scarves are no longer just a means of keeping your neck warm, though they certainly continue to serve that function very well, thank you. Scarves make fashion statements all by themselves. Keep a variety of colors and fabrics on hand to wear with your cool-weather outfits, even in tandem with your turtlenecks.
Scarves make suitable belts, especially when you don't have a lot of curves in your hips. The pashmina is a wide scarf that you can drape over your backside or let hang loose down one side while cinched tight on the other side. Wear your turtleneck long over your pants or skirt and wrap the scarf around your waist. Adjust the ends and the fringe according to the style you're going for.
Sometimes referred to as the noose, wearing a long scarf loose around your neck and tied in front of your chest or just between your breasts is one of the easiest ways to wear a scarf and the most flattering for over a turtleneck sweater. If you use the pashmina or a wide scarf, fold it lengthwise until it's about two or three inches wide. Drape the scarf over the back of your neck and loosely tie it well below your neckline. Get cold and you can cinch it up.
A scarf can actually substitute as a piece of jewelry when tied right. Use a smaller square scarf and tie it backwards around your neck. Fold the scarf in half diagonally so it forms a triangle and place the pointed edge in the front, just below your turtleneck. Pull the other ends behind your neck and tie a small knot so that the scarf doesn't choke the folds of your turtleneck, but instead sits smoothly just underneath. Put your hair back in a ponytail and don a leather vest and you'll be ready for the saddle.
The pashmina easily converts to a shawl that keeps your shoulders warm and adds a touch of femininity to your outfit when you're wearing a high-necked turtleneck. Fold the wide scarf in half diagonally to form a triangle, like you did with the small square scarf. Drape the pointed corner down your back and bring the ends to the front. Tie loosely or close with brooch.
Since you usually wear turtlenecks in the fall and winter, chances are good your head can use a little covering as well. Use you silk scarves as headbands to complement a plain knit or wool turtleneck sweater. Fold the scarf so it's not too wide and place it over the top front part of your head. Tie it just behind one ear so that the ends drape over your shoulder or sit on the back of your shoulder. Open the scarf a little wider and cover your head down your forehead before tying it on the side of your head for more of a gypsy look.