If you don't actually need foundation then a pan stick might not be for you!
I have curly/wavy hair and to be honest, once you accept that it's less likely to look groomed/tidy, it becomes a lot easier. Very few people have sleek curly/wavy hair, and IME the people you see on Instagram/Pinterest etc like that have straight hair that's been tonged!
I think you need to assess what you need - if you have fair hair, maybe an eyebrow/eyelash tint and shape would work for you? I do my own brows and it's v easy, but it doesn't cost much at local beauty places every few months. Do you get your hair trimmed regularly? I think that always makes a difference. If it's frizzy/fly-away then maybe some deep conditioning treatments for your hair type.
Make-up wise you might like a CC cream/tinted moisturiser? I love Erborian CC cream but it's not cheap - there are loads of well-rated alternatives out there though. (The Garnier BB cream generally gets good reviews.)
A lot of people will say you need short, neat, groomed nails in a neutral colour but it's personal pref really - I can never be bothered to paint them so I just use nail oil and keep them neat-ish. (I always paint my toenails though, not sure why!)#
Do you wear SPF every day/when you go out? That's a long-term skin protecting measure that you could be taking now.
What's your clothing style? You could consider a personal shopping session at John Lewis to get some ideas - you don't usually have to spend anything.
(But really I think I want to say that however groomed/put-together you feel as a woman, there's always something you wish you'd done differently...you'll always see someone else that you think has done it better than you 😁 so at some point I think it's just a case of self-acceptance!)