Best Answer:Pull the waist band up and over your chest, I use a safety pin (hidden) and clip earring attach the belt to the center of the band at the center front. Loop the belt ends over the shoulder and tie at neck. A jacket placed on top to cover your arms cleans up the look. Sharp looking and nobody knows you are wearing a skirt as a top. Don't worry about the belt at neck I have worn the belt covering my bra straps with the use of an additional safety pen and I have worn the skirt as a top w/jacket and the belt tied at my waist really a cute and comfy top. Just pull waist band up over the top of your chest resting on your body and play with the belt as straps, tie or as a belt.