With the heat wave long gone, it's time to bundle up for winter. We recommend a down jacket - it's so much warmer than wool and often lighter to lug around. I had a wool coat last winter and was constantly cold - my house mate had a down jacket to her knees and was snug and smug. But that's not the tip! My tip is - if you are a small or extra small (man or woman), then try going down to a kid's size XL. Not only are they cheaper, but there is no VAT on children's clothes! My boyfriend looked at a North Face jacket for £320 that was a little too big. He found the same XL boy's jacket for £180!

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