You need a how-to guide to make it through a Chicago winter.

How to pay your ComEd bill and still have a sweater budget. How to keep the bottom of your jeans from getting destroyed by slush. How to wear a ponytail with a hat.

For that, Girl 32 has you covered. Their too-cute caps come with Swarovski buttons up the back. Just position your pony wherever you like (nape of the neck, high on your head, or smack in the middle), undo the corresponding button, and pull through.

The design duo behind the hats are best friends who hatched the idea out of their own frustrations. And, lucky for us, their gripes with winter gear didn’t stop there. This season they’ve introduced a scarf with a hidden zipper pocket big enough for gloss, ID, and ATM card, and gloves with thumb and index-finger tips that flip back so you can dial out on your cellie no matter how cold it gets.

Which is how to call the airline from the el platform to confirm your flight to Miami.

Available at Shopgirl, 1206 West Webster Avenue, at Racine Avenue (773-935-7467); Embrace, 29 East First Street, Hinsdale (630-325-1996); or online at girl32.com.