Hi Shelly,
I have the same problem. It could be 75 degrees in my home and I am cold.
I wear alot of layered clothing at same time. Like a tank, t-shirt, and then a sweater on the lower part of my body, leggings with slacks and skirts.
If I wear a dress thick tights or leggings with them as well, including a long sweater.
At least I am dressing fun and funky ladies.

Love, Roz xxx