If you live somewhere other than the equator chances are you own a coat or jacket of some kind. If you live on the equator...I guess you can just replace the word coat with, bikini and try to ignore my cold, frozen tears.
Eventually that thin lining in your coat gives up and splits...on the coldest day of the year.
So what do you do? Run out and drop half your paycheck on a new winter coat?
OF COURSE NOT! How will you afford a dozen cronuts this weekend?!? 
This is a super simple fix that I think everyone should be able to do.