Got old socks with worn-out heels?
Make some wrist-warmers and beat the cold!
Just cut the socks off above the heel...and pull the open pieces onto your wrists.
I was introduced to these wrist-warmers in a cold winter in Switzerland in 1982 - where they are called "bandlies".
As the veins are close to the skin at the wrist a lot of body-heat is lost in this area.
A hat, scarf, thick socks, thick-soled shoes, and a good covering over the small of the back/kidney area all help to retain heat even on the coldest day in the wind.