Poor circulation to the outer extremities, try opening and closing your fist and wiggling your toes habitually. It might help. You might also be anemic, almost every woman is. Anemia can make you feel very, very cold. It tends to have a more profound effect depending on where you are in your menstrual cycle. I just found out I’m extremely anemic. In the time that took to happen, I went from swimming in icy water in December to freezing at 74 degrees in my house with a sweater. Usually, the cold starts in my toes and fingers. Iron supplements is what you’ll be given, fixes ya right up. Assuming anemia is what you got.