Keep or Return?

Sweater: J.Crew {similar}

Shirt: {Old Navy} on sale for $15!

Necklace: Forever 21

Jeans: {Lucky Brand}

Shoes: Sam Edelman {similar, similar}

Watch: {Kate Spade Gramery Grand}

Bracelet: Gap

I need your help. I bought this J.Crew sweater and I'm not 100% sure I want to keep it. It was on sale from $89.50 to $49.99 then an extra 20% off in store so it ended up being $39.99. A good deal, however, I'm WAY over my budget this month. If I do keep it, what else could I wear it with? 

Keep or return?!