I have really cold hands and feet, is this a circulation problem? Anything I can do without a dr. Visit?

Yes and No. Usually cold hands and feet are more typical of raynaud's syndrome; the blood vessels contract when in a cold environment, making them colder. Best to wear gloves (even indoors, if needed). Socks & house shoes for the feet. Peripheral vascular disease can also cause cold feet (although not usually cold hands) and would be associated with pain in the calves with walking/exercise.