Outer Layer to Pair With Shirt/Tie

I have two winter events coming up where I normally wear a shirt and a tie. However I would wear just that being a budgeting and low-income young adult. Now I want an outer layer to make a complete ensemble but don’t want to spend the money on a suit right now. I’ve looked at sport coats but have a great pair of navy dress pants that I’ve heard is hard to pair sport coats with. So what else would you suggest? Looking at spending under $250.
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