It happens like clockwork: each winter I haul out my boots and warmest sweaters and begin to sacrifice style bit by bit in favor of the comfortable and the cozy.

Part of my rationalization for not being more creative is because I know I’m going to put a coat over everything I wear. If that’s the case, why bother trying?

Well, I should bother because there are lots of fantastic (and warm) winter style options.

1. Wear this adorable toggle sweater over a long-sleeved shirt, with skinny jeans, boots and a bright scarf.
2. Most waterproof and practical winter boots are fairly ugly. However, this cute pair from Target has a tie back so you can tighten the top around your jeans (preventing snow from wetting your socks). They also have a subtle wedge heel, which will glam up your outfit a couple notches.
3. This newsboy hat has a Blair Waldorf-like bow on the side.
4. Fingerless gloves are really practical: it’s easier to drive, text and open your chapstick. These have a cool military-inspired look.
5. Shawl-collar cardigans are chic and so comfortable. They look best with a more fitted look on the bottom (either jeans or a pencil skirt, for instance) and really interesting oversized jewelry.
6. If you have the moxie to try out a funky, faux-fur hat, by all means, wear one like this!
7. A traditional holiday sweater like this looks good with more modern pairings. I would try it with dark leggings, flat-soled boots and a great pair of earrings.
8. I would really like to open these Nine West boots on Christmas morning. I can’t lie: I love them.
9. Wear a spin on the traditional Ugg boot style with these cuffed sweater boots.
10. I really like these London Fog boots: they have a little wedge and are fur-lined on the inside.
11. When it comes to scarves, you can’t go wrong with plaid.

What do you like to wear when the weather turns cold?

You can get a lot of style for very little cash, and thank god, because with the current economy, thinking like a frugal fashionista is a big plus.

Check out these 14 hip and stylish winter coats.

My new shopping mantra is no more black, but I couldn’t resist this luxe coat from Target (1). Love the detachable fur collar. This classy wool jacket is also from Target, and is more appropriate for an evening date or for a working woman (2).

A bit more pricey, but exceedingly stylish is this mustard yellow bow-accented coat from J. Crew (3).

For a pop of color, this Forever 21 coat is great, but not too practical. I’d wear this for a date or with an evening dress (4).

DELiAs actually has exceptional coats this year, if you do a bit of digging. The military coat buttons on this navy jacket are what really drew me to it (5).

If you want a more feminine silhouette, try this pink Isaac Mizrahi for Target jacket (6).

This bright, bold fuschia jacket from DELiAs is warm and practical, but not boring (7).

Forever 21 has this genius, vintage-looking faux leopard coat. I’d wear this with very quirky and vintage-inspired pieces: dark/gray tights, a bright-colored dress and maybe high-heeled oxfords? (8). This shorter jacket from Forever 21 is good for a boots/jeans/scarf day, when it’s too cold to dress up (9).

ASOS’s Kylie Minogue-inspired jacket looks almost like a dress. So pretty (10).

I love plaid, and Nordstrom’s bomber jacket with a great black, gray and white print is chic and practical (11).

My absolute favorite coat of the bunch is this bold plaid version by Forever 21 (12).

The most inventive style here is this plaid coat from Urban Outfitters: see the drawstring hemline? (13).

Last but not least is this classic and sexy maroon coat from Urban Outfitters (14).

Take your pick: which coat is your favorite?