Yes, but we all hate photos of ourselves cos we all have an image of ourselves from when we were 20 and it comes as a bit of a shock to see the reality. I think your biggest issue is your perception of yourself - feel down about yourself and chances are others will too.
Get your hair done, and get your make-up done, you'll feel heaps better.
Then I would suggest, if time allows (I'm thinking of the kids here) that you book yourself an hour with a personal shopper at somewhere like John lewis - you don't have to spend a penny, but they will guide you in the right colours and style for your shape.
Start with your hair though - makes a huge difference.