Ladies, when the mercury drops, a winter coat is usually our first line of defense (and major investment piece) against frigid temps. But we may have overlooked a few cold weather essentials! These are the last-minute additions that mean the difference between making the day bearable and literally shaking in your boots. From a fly pair of gloves to garments that help you retain body heat, the market is filled with pieces that help you stay warm all while looking hot. Event though we are well into winter, it's not too late to scoop up these stylish clothes and accessories. And of course, we always keep you stylish and under budget!

For the Rocker:

ASOS Leather All Over Stud Gloves ($38.59, asos.com

Add some edge to your look and warmth to your hands with these studded leather gloves.

For the Glam Goddess:

Guess by Marciano Faux Fur Stole ($29.95, guessbymarciano.guess.com)

Throw this stole over your favorite coat or wear indoors to ward off the office chill.

For the Retro Queen:

Callanan Wool Cloche Hat ($26.87, lordandtaylor.com)

Not only does the bell-shape keep from flattening your do, it has a throwback, vintage feel.

For the Commuter:

Hunter Fleece Welly Socks ($30, nordstrom.com)

Your favorite winter boots will get an extra layer of warmth with these fleece socks.

For the Layer Lover:

Uniqlo Heattech Scoop Neck T-Shirt ($14.90, uniqlo.com)

Extra layers usually mean adding bulk, but Uniqlo's Heattech shirt retains your body heat and provides a slim fit.

—Patrice J. Williams

Patrice J. Williams is a NYC-based writer and budget style expert behind Looking Fly on a Dime. She dishes on fashionable, affordable solutions for those who want to look their best without maxing out their budget. Her motto is "your style is never determined by your wallet." Follow her on Twitter @FlyonaDime.