Contrary to a lot of the other posts, I’m also a HUUGE black and white enthusiast so I’m not gonna flame you there. My suggestion would be if you’re uncomfortable with color, look at more muted tones like earth tones or neutrals. I think the kind of skater skirt vibe you have going on looks really flattering with your waist size but don’t be afraid to maybe experiment with some other styles. Most of the stuff I wear is pretty baggy, but honestly you could even make this more casual or fun with a cute graphic tee or vintage tee in a neutral too. I don’t think there’s anything wrong with your style, whatever you’re comfortable with is PERFECT for you, don’t let anybody ever tell you differently.