I had to wear pants for something about halfway through the day, so my solution was just to throw on a pair of jeans and tuck the dress under into a shirt! Throw on a cardigan, and voila! Dress becomes super cute top. :)
Dress: Anthropologie, via Rugged Wearhouse, $20
Boots: DEB, $10
Cardigan: Forever 21, $12
Jeans: Free (from a friend's closet clean out)