I'm like that too, Lily. I have low blood pressure, which can be part of it, especially if you get cold hands and feet. I've also been tested a number of times for hypothyroidism, which can apparently make you feel cold all the time, but those tests have always come back normal.
I got a small, portable space heater that's been a lifesaver. Also, wool socks and fingerless gloves help. And lots of sweaters.