That's what thrift shops/ OP shops are for. Go to your local thrift shop ... look for merino wool tops to use as an extra layer over or under your cycling jersey. Also look for tights and the old-fashioned stirrup pants in the women's section. And thicker wool or fleece tops work well as warmer layers for colder days.

As for gloves, balaclavas, neck gaiters, etc ... you can find those for $1 each in your local Dollar Store. I've also picked up ski gloves and mitts for the really cold days for less than $10 at Walmart.

While you're in Walmart, you'll want to go to the sock section and get some decent, thick, long wool socks. And if you didn't find any tights or stirrup pants that fit you at the OP shop, go to the Women's fitness clothing section and pick up a pair or two there.

If you'd prefer wool tights, you might check Target. They often have merino wool tights/leggings in the women's undergarments section. They've also got merino wool base layer tops. These are slightly more expensive ... maybe $25-$30 each.

Don't forget to check other sports outlets like Anaconda, Decathlon, MEC, and REI (depending on where you live). Check their cycling sections, but also check their general clothing sections. Sometimes you can pick up polypro base layers for a good price.

I've done some cold rides quite comfortably wearing a cycling jersey, with a polypro base layer over it, and a merino wool top over that, and then my jacket.


And a tip ... if you want to pick up additional bits and pieces relatively inexpensively, do it in February/March when all the winter stuff goes on sale.


The Winter Cycling Forum I linked to above will provide you with additional tips.