I'm a stylist. I would love to see some pics and can give you a free consult on what to do with your hair and make-up.
From what I can tell from what you say though, is your very fine, dull and wavy hair would look great in a modern shag/bob with a few thin highlights + lowlights through out the top.
Highlights add height especially when paired with a few well placed low lights because it creates and optical illusion, it also roughens up the texture of your hair just a bit enough to create some much needed height and texture.
The modern shag would look great to not only frame your face, but it would work perfectly with that fine wavy texture. I would love to see how you do your bangs, keeping them side swept and low can help emphasize any texture you can get in the scalp area by a little bit of teasing. Just use a fit of thickening foam or mouse and some light hairspray to hold the style. you don't want too much products in there, otherwise it will weigh it down. If you can afford it, the Sebastion Body Double line is wonderful for your texture, has an amazing citrus scent, but gets a little pricey.
http://www.haircareusa.com/sebastian_body_double_thick_ha...
I'm thinking the first one here:
http://2010-hairtrends.blogspot.com/2009/09/2010-short-sh...
http://tinyurl.com/2cqhf2k
top two cuts here as well:
http://justabouthair.com/medium-hair-cuts/
http://tinyurl.com/2are72x
As for make-up d you do your brows? I find, that having a full and great arch, with filled in with just a bit of liner if you need and a lightener (Covergirl Champagne eyeshadow) just under the brow work miracles for a face. Here is a blog post I wrote about the eyes:
http://littlelovables.blogspot.com/2009/09/smokin-hot-eye...
Drink lots of water and get plenty of sleep. You probably don't have many blemishes, but may have tired, ruddy skin? I would suggest a good spf moisturizer and bare minerals powder. They have a concealer and a finishing powder called mineral veil and those are also spf. They run about $25 each, but they last a long time. I usually get those for my face make-up, then use less expensive grocery store brands for other make-up. Going to Mary Kay or a Bobbi Brown counter will only get you to spend more money on many things you don't actually need, but they will be able to show you some tips/tricks that look good on you.
I would use a lash curler and mascara in a deep black or deep brown, and some light white liner in the rim of your lower lashes to brighten tired eyes.
For a tight budget, I would go to a local beauty school, or some med-end salons have apprentices (who are fully licensed) that do great hair for relatively cheap. Call around the salons in your hair.
I would get a great pair of jeans, a nice vneck and some cute shoes and long earrings that peak out from your hair and you will feel like a million bucks.
Learning how to dress to accentuate your curves and hide problems areas is what I do. Same with make-up, I accentuate my eyes to take the focus off of my not so great skin.
Also, when I go out, I put on make-up, and don't always have time to do my hair, but it's pretty easy to make a shorter cut look attractive with just some bobby pins pinning the bangs area back like this:
http://www.etsy.com/transaction/10120342
But, I'm a hairstylist and makeup artist, so those are my things! I do not have a perfect body, or skin or hair, but learning how to maximize your strengths and minimize your weak areas are what is key.
http://www.style-makeover-hq.com/body-shape.html
For a tummy (like many moms have) a nice form flattering shirt, with maybe some rushing and detail around the chest, and a light drape and some looseness around the waist area, will really hide that pouch.
Jeans can really make any figure look hot, you just have to know what is right for your shape. This is one of the best guides out there. There are several articles, but it tells you what to shop for, what brands/lengths/colors/pocket styles work best for your figure...
http://www.oprah.com/style/The-Jean-Buying-Fit-Guide/1