Go to an area of town with lots of charity shops- not difficult so far. Hunt out the nicest cashmere jumper you can find. It has to be 100% cashmere and roomy enough for a couple of layers underneath. This is also not difficult as they were very popular a couple of years ago and stupid rich people are now bored of them after a couple of wears and find them far too hot in their super toasty houses! I got one for £5.95 last week (which is the most I have ever spent on one item in a charity shop.) Hand wash it & dry flat (this is the not so good bit...waiting for it to dry aint fun either) wear with a couple of layers (i.e. vest and long sleeved skinny rib/polo neck type thingy) under. You will not ever be cold again. xxx