When your core cools, your body will react by reducing bloodflow to your hands and feet (which are basically radiators) to preserve heat for your core. Generally, dressing warm to keep your core warm should help keep your hands and feet warm too, but of course there will always be a temperature gradient.

If that isn't sufficient, there are still cheaper ways to deal with it than adjusting the furnace. A low power radiative space heater (the sort with a reflective dish) can be very efficient at heating up the person it's pointed at without heating up the whole room. Having a warm drink to pick up and sip on also helps; it'll warm your fingers directly and also give your core a little boost of heat. Heated electric blankets are also extremely effective.