Is the brrr putting a grrr in your day? As a woman with spine of steel (no seriously I have two titanium rods in my back) I am constantly cold when the fall and winter months come around. I have been known to not take my coat off indoors, be wrapped in pashminas and scarves the like. So when I find some things that keep me warm I can't wait to share my discoveries.
First...invest in some long underwear. I am obsessed with wearing long sleeved shirts layered under turtlenecks. REI and L.L.Bean have lots of options that are inexpensive. Check out http://www.llbean.com/ and http://www.rei.com/
Second...boots are great to keep the tosies warm, on the walk to work especially. If you already have rain boots, like Hunter boots, you can just invest in an inexpensive pair of fleece liners and voila, an immediate transformation into a winter cozeyland for your feet. Uggs are also a great option. Visit http://www.saksfifthavenue.com/main/ProductDetail.jsp?PRODUCT%3C%3Eprd_id=845524446171250&FOLDER%3C%3Efolder_id=282574492711042&ASSORTMENT%3C%3East_id=1408474399545537&bmUID=1257789419646
Third...your neck can be a major source of heat loss so hurry and cover it with a scarf! You will look posh all the while.
Finally...get your hands around a warm cup of something with someone you love. My favorite is an americano (novices be where though - its strong!) But whatever it is, let the steam comfort your red nose from the cold.
Hope this helps you stay beary warm this winter...hugs