I think the trick is finding low maintenance, less expensive ways to feel and look good.
I love gel nails, I have mine done once a month and the polish doesn't chip at all. My friend has a lamp and all the gear, so she does mine for free!
Get a balayage or something the grey blends into, rather than home dying. Some ashy blonde highlights disguise grey. Have it cut in a style that's easy to manage.
As for clothes, I buy good brands secondhand online. I love soft clothes that hang well. Hush, Mint Velvet, People Tree, Thought and Noa Noa are some of my favourite brands. I like tunics over leggings with long fine knit cardigans, or fitted stretchy trousers with batwing tops. Lots of supermarket/primark clothes look cheap, are badly tailored so don't hang nicely, and feel scratchy. I don't feel good in polyester, acrylic or nylon blends! And buying secondhand I'm less precious about mud/paint/sticky hands on them!
Wear perfume that you love, even if you have to test 50 to find your favourite.
Match colours. Have a bag that matches your favourite boots/shoes etc. Never wear boots/shoes in a colour that's different to every colour you're wearing eg black boots with a blue and pink outfit. I try to wear 3 colours at a time max. Eg black dress with pink and grey flowers, cardigan in the same pink as the flowers, black leggings, black boots with grey socks, grey scarf, black coat. It makes me feel pulled together and organised when really I'm not!
Get rid of old make up and stick to a few good quality products. I cleanse in the morning then use CC cream for light coverage, powder, neutral eyeshadow, brow gel and bronzer. Takes minutes to apply.