Take all sheets off the bed so you are left with a bare mattress. Lay a comforter over the mattress, folding if necessary so it covers the top of the mattress. Add a second comforter, if desired.
Unfold the mattress pad and arrange it so the short edges match up with the short edges of the mattress, the long edges match up with the long edges and any tags are at the bottom. Stretch the mattress pad over the corners of the mattress, just as you would a fitted sheet, and tuck any excess between the mattress and box spring. The mattress pad will hold the comforter in place and prevent it from sliding around and bunching up.
Make the bed as you normally would. Place the fitted sheet on the mattress over the mattress pad. Top the bed with another comforter if you need extra warmth.