I must agree that being happy with your weight has a lot to do with it. I can ASSURE you that I dress nicer and take better care of myself when I am happier with my weight. I am not thrilled with it right now, but I am not at my all time high either.... somewhere in the middle.
I am definitely on the "unpolished" end of things, even on the days when I try. I'm a frumpy slob at home (how's that for honesty), but I think I look presentable when I'm out at work, shopping, or church. I don't EVER wear high heels anymore (well, twice I did last summer at weddings). And I NEVER wear dresses any more (okay... twice last summer at the aforementioned weddings). But I usually have on nice khaki type pants or at least really nice "Mom" style jeans (I cannot STAND those low rise things.... sorry!!). I usually prefer a knit top over a cotton button style blouse. And I do wear foundation, powder, blush, and mascara most days when working or out, but I don't even own any eyeliner or eye shadow and haven't touched a lipstick in months. (But Chapstick is my best friend!!)
As for jewelry... my earring holes closed up when I stopped wearing earrings right after DD was born (just too busy for jewelry) and I haven't really even cared. I own three or four necklaces I really love, but sadly two of them broke last week (including a sterling silver mickey I got for Christmas), but I will have those repaired soon. I own just a few bracelets that I occasionally wear and my watches cost under $10 from
Walmart.
I use the same inexpensive pocketbook for months/years on end until it "dies" and then I buy another. Right now it is a quilted Vera Bradley knock-off that cost about $3. IT does the job!
I guess I fall into the "unpolished but not a total slob" category. I don't think that I am so bad that I embarrass my family. And I am comfortable, so I guess that is all that counts.
To OP: Maybe if you found a few nice outfits to wear when you are out (even if they are not in the size you WISH you were) and invest in a new hairstyle you would feel better?? Good luck.......................P