if you put leggings with this top it won't be as bad. leggings and high boots would be super cute. i dont like the belt, the cream and white don't match. im not a fan of those belts around your waist/shirt anyway.
I have to agree with the others here. That dress is more shirtish. You could get away with it with leggings, though. You have a great figure, you can find something MUCH better.