Unless the outside temp is 70 degrees, or warmer, I feel like I am eternally freezing cold. The place I grew up gets at least 20 degrees colder in winter than Bellingham on average and I don't recall ever feeling like this. This has been happening to me my last couple years in Bellingham. Assuming that I am wearing warm enough clothes, is there anything else I could do to help myself out? I can't afford an endless supply of tea, coffee and hot chocolate from the campus markets!
From a metabolic standpoint, it makes sense to have your thyroid level checked. People with low thyroid often feel colder than others do.
Moist cold, like we have in Bellingham, is more penetrating than dry cold. Dressing in layers helps, especially with an underarmor type layer next to your skin, or some of the great underwear that REI specializes in for the northwest winters. You really do have to bundle up, just like your mother always said.