You have a bruised
self perception and have been constantly reinforced by the negative
environment you are in. And the interesting part is you gave
yourself excuses to believe in so that you will not attempt to
change your status quo and dwell in this pool of depressing
perception, like you are destined to remain like that
forever.
You are effectively fueling yourself to think the way you wanted
yourself to indulge in - you thought poorly of yourself and
unconsciously breed those condition and reason why you are
lousy.
'Wah.. I am so poor... but working is so hard... aiya I am just
poor, so I will be poor...'
The truth is: you
made yourself into such position and gradually believe your own
propaganda.
Based on your last paragraph, it is clear that you have done
minimal homework on the subject of 'physical beauty'. The reason
for your passiveness, despite the need to improve, is very simple:
you fear to
confront your flaws directly. You are feeding
yourself with self-made beliefs to make a huge contour of your
problem without touching the actual subject.
Imagine your problem being the glass ball and you are walking round
and round this glass ball, devoid of the courage to even hold the
glass ball in your hands.
This is you: knowing what's wrong, ranting what's wrong and leaving
it there.
Until the day you really want to change your status quo, then maybe
somebody here could help, otherwise, this is merely your rant
topic. The desire to change comes with the price of hard work. But
firstly, if you can't even bear looking at the REAL you and telling
yourself that you are an art that needs the effort to develop into
one, then you can always push it into your subconscious mind and
avoid like what you have been doing all these while.
The worst thing you could tell yourself is: 'I can't do
it...'
Always ask 'How do I achieve it...'
When you use 'How' - you forced yourself to think of ways to
achieve and not eliminate your chance completely to self and trust
me, you will devise a way to achieve your 'How' and not avoid
facing your flaws. 
***
Physical beauty is
not about the money - that's probably a quarter of the picture. You
need intensive knowledge about WHAT and WHERE to improve yourself
at good cost-value equation. You are probably thinking of what?
Expression to lose weight? Slim Fit to enhance assets? Jean Yip
beauty consultant? Lasik surgery to restore perfect vision? Haach
Body and Skin care?
Woman are so insecure with themselves that these business exploit
those vulnerability to their advantage, creating desires, needs and
in the end, actions with paying for those services. I always
believe there are alternatives to those premium services - it
depends on whether you want to spent additional effort in research
and to pursue them, if you don't have the money.
Woman who gym heavily, hardly find a need for slimming session and
the cost they save is like more than 10 times the amount?
Then comes dress sense; you don't need designer brands to make you
look beautiful. In fact, they don't. You wear the clothes and not
having your clothes to wear you. You just need to know your
strength/flaws and dress to either
I) Exploit on strength.
II) Hide flaws.
You will need to know what look good with you and how can you
achieve them. You will need experiment and experiment comes from
various decisions. And good decision comes from bad judgment. You
will probably make some fashion mistake, but still, who gives a
damn. You will gradually evolve and understand your
niche/style.
Third come personality. Some people don't look fantastic
physically, but they have an attracting personality that 'made'
people thought that they are charming in some manner. You influence
people to 'think' that you are beautiful will indirectly make you
feel that you are indeed beautiful (Don't know if you get what I
mean).
Cheers
