Oh OP, I sympathise. I too have translucent skin that shows everything and heals slowly, I have dark sebaceous filaments all over my nose, I'm not prone to spots but do have facial eczema, redness, broken capillaries, very dark circles and freckles, with dark hair and lots of early greys which means dyeing it every 3 weeks. I have to battle my skin and hair (head and body) just to look like I haven't bothered.
The best thing I ever did was get my excess body hair lasered off. I know that's out of your budget for now, but try to save up and keep an eye out for deals. In the meantime I second switching to an epilator so you will spend less time dealing with excess body hair and associated issues.
I also strongly encourage you to embrace being pale. Look at Nicola Roberts, she looks amazing with her naturally pale skin. I think she looks better pale than she ever did tanned.
As odd as it sounds I think you'll like what you see in the mirror more, the less time you spend grooming. Find ways to make necessary grooming go further, so wash your hair every other day, epilate instead of shaving, embrace being pale, pare back to a more basic and super gentle routine and follow PP's advice about diet and exercise.