WAIT! It's not too late to buy a winter coat for the year! Even one this affordable. The Via Spiga Luxurious Wool Coat ($150) is, in fact, quite luxurious, even without the extravagant price tag that accompanies other items that get smacked with that word. It's almost impossible to look unkempt while wearing it, which means this is the last wise investment you need to make for the year.
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