I've lived in Michigan all my life and always tried to get away with cute peacoats, etc until I had it one year and declared war on winter. I started wearing thermal underwear all winter under my clothes and my quality of life In general was so much better.. Try to find a down coat if possible. Also maybe get some big warm blankets for when you're inside? I like the ones that have two layers like this. I'm literally covered on one with a heating pad under my butt just to stay warm right now. Oh, also I sleep with a heating pad to keep me warm at night.