It sounds naff but money won't really help. You could have a windfall £1000 just to spend on clothes and still have nothing to wear in a few weeks.
When you have a limited budget it's more important to really work out what will suit you and what is therefore worth getting. Even if you then get things from eBay (which is where I get most of my stuff tbh).
I would start by taking a couple of pictures of yourself ( get DP or good friend to help) now look at your shape - forgetting any extra weight you have on, what are your proportions? Wide shoulders? Waist / no waist? Apple or pear? If you need help on working this out, get one of the Trinny and Susannah books out of your library.
Get your most blunt/honest "friends" to give you a proper appraisal. It might be hurtful, but only once you really know what your shape is can you start to dress it. You can then also look at which colours have suited you in th past and which haven't. Once you have a "rule book" for yourself, you won't ever have a pink mac moment again, as you won't be letting yourself buy anything like that in the future.
You then need a wish list of new things to get. Look for multi wear things - boots with a decent sole that will last through the winter that are also smart enough to wear (Clark's) good quality jersey tops (consider Isabella Oliver maternity long sleeved t-shirts - Great ruching and last and last (get them on eBay)
As for your morning routine, sorry to say it, but try setting alarm earlier so you can spend a little more time on yourself before you leave the house. Easier said than done when you have dcs but you have to work out a way to manage this into your morning routine somehow.
Could be that you have to give something up to fit this in? Maybe you go to bed earlier to have time for exercise/run (ok in new year once weather is better) before dcs are up?
This all sounds like a "new year - new you" plan, so how about taking December to get your plan sorted out? Then you can at least feel like you have a plan - ie the plan for now is to make the plan.