Living in New York City means walking everywhere and, for some, wanting to look stylish while doing so. As the weather shifts from chilly to freezing, it is important to dress warmly and still stay chic. This is where layers save you from the unforgettable look of Randy from “A Christmas Story” — the human marshmallow.

A thin thermal windbreaker pullover is a smart option to begin layering above a stylish blouse or button-up. The North Face Glacier 1/4 Zip and TKA 100 Glacier Zip at $55 run on the cheaper side, while similar Patagonia styles such as the Re-Tool Snap-T Fleece Pullover will cost you $119. Cardigans, long-sleeve shirts and thin puffer vests that are already a part of your winter wardrobe are always good layering options as well. 

Many people believe that we lose most of our body heat from our heads, and although this myth has been busted, it is still important to minimize heat loss from every part of your body, especially your head. So when braving the New York winter winds, make sure to sport a cute topper. Free People offers a simple but classic hat with the Spacedye Slouchy Beany for $20, and Nordstrom offers a chic Bow Wool Cloche hat for $24.

Gloves, scarves and warm socks are also important layers to add to any winter ensemble. Wear your scarf on top of your jacket collar to get maximum warmth. H&M boasts scarves in various styles that all fall under $10. Gloves can be as cheap as $9 at Old Navy. On the pricier side, tech gloves such as the The North Face Etip Glove run for $45.

When looking for the perfect winter coat, length is key. Shorter coats benefit more active lifestyles for those whose days include running to class, jogging around the city or just power-walking from place to place. Longer coats offer more warmth and will cover up longer tops, tunics and dresses, giving your outfit a clean-cut look.

The material for an ideal coat without excessive marshmallow puff is wool. While they generally tend to be on the pricier side, wool coats are a worthwhile investment. Nordstrom often marks down its coats online while Nordstrom Rack in Union Square is a great place to search for discounted jackets and coats. Old Navy has wool coats for around $69, and H&M offers several styles under $60.

Although the winter months force us to compromise many things like outdoor seating and efficient commuting times, our style should not be one of them. Layering and the right accessories allow for thinner coats while keeping us both warm and chic.

A version of this article appeared in the Dec. 3, 2014 print edition. Email Gabriella Bower at [email protected].