Long, chunky cardigans have to be one of my favourite winter clothing items. These are available from H&M for just £14.99, and they have a few more designs in store.
Or if you prefer, H&M also has a short-sleeved version for £19.99 (the fabric is slightly better, hence higher price). Layer over a long sleeved shirtdress and black wide leg trousers like this outfit from Rachel Roy Fall 2008. Skip the belt, or wear underneath the cardigan, and add a bright flower corsage to accessorize. Since the colours here are neutral, you could wear either a black hijab, or any colour of your choice: