If you are in need of a gingham collared shirt to layer underneath sweaters this fall and winter, I think Target has a good option for under $10.
It's on clearance for $9.18 with free shipping (no minimum). The reviews say it is pretty sheer so you'd probably have to wear a cami underneath if you wanted to wear it on it's own.
I saw this jacket in store a few months ago and talked myself out of buying it. A few weeks later I was still thinking about it so I went back to the store and they were all sold out. Luckily it is now online. It comes in this black and white or also in a light heathered gray. It is really cute in person.